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Patrick Boyaggi

Founder and CEO

Patrick is the Co-Founder and CEO of Own Up. He has a wealth of experience and knowledge as a mortgage executive.

Before starting Own Up, Patrick was the Senior Vice President at Leader Bank and a Management Consultant at Accenture.

Throughout his career, Patrick has helped tens of thousands of homebuyers secure mortgages in his career. Patrick is passionate about empowering people to improve their financial future using technology and data to offer personalized guidance.

Patrick holds an MBA from Northwestern University’s Kellogg School of Management and a BA from Bates College.

Articles by Patrick Boyaggi

How the COVID-19 Crisis is Bringing FHA and VA Loans to a Grinding Halt

Interest rates on FHA and VA loans are getting higher, and are harder to qualify for, even as rates for other borrowers are near all-time lows.

The Impending Housing Crisis and Why the US Government Will Need to Bailout the Mortgage Industry...Again

There are many segments of the economy that are coming under fire as society continues to deal with the disruption caused by COVID-19, but none are bigger or more important to the US economy than the housing industry, which is exactly why the government is going to need to save it from collapsing.

A Looming Housing Crisis? What to Expect for US Housing in 2020

As we look towards the future of our world post-COVID-19, no one is sure what to expect. Here are two potential outlooks for the housing market and the signals that will indicate where it’s headed.

For Vets Seeking Home Loans, the Covid-19 Economy is Making It Harder

While it’s always important for veterans to shop for a mortgage, it’s especially important to do so during the current economic crisis caused by COVID-19.

Providing Perfect Loans for an Imperfect World

Mortgage lenders look for “perfect loans” and if any imperfections exist, you pay a penalty, which comes in the form of higher interest rates or fees.

Why Appraisals are Taking Longer Than Ever

An appraisal is a report prepared by a professional appraiser that sets forth an unbiased opinion of value. This report is used by the lender to assure the market value of the property you are buying meets or exceeds the price you have agreed to pay.

Honest About Money

One of the core tenants of our business is that we’re honest about money. This means that we tell our customers how we much we are paid and what it means to them. We do so because transparency is the foundation of a trustworthy relationship.

What Tax Preparation Software is Right for Homeowners? Take Our Test!

Being a homeowner makes your tax situation a lot more complicated, but filing your taxes doesn't have to be.

7 Personal Finance Tips You Need to Know

Do you consider yourself financially literate? Shockingly, two-thirds of Americans weren’t able to pass a financial literacy test. Even worse, a recent survey found that many Americans could not cover a $1,000 surprise expense without going into debt.

Create a Personal Cash Stimulus by Actively Managing Your Debt

It’s easy to view debt as outside of your control because it is money owed, instead of money earned or held. Don't overlook your options to unlock cost-savings opportunities.

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The information provided to you in Own Up blog is intended to be for general informational and educational purposes only and does not constitute legal or tax advice. This blog is not a substitute for obtaining legal or tax advice from a qualified professional. The views and opinions expressed on this blog are solely those of the authors and do not necessarily reflect the official policy or position of Own Up or describe Own Up's business model. Own Up makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the blog or the information, products, services, or related graphics contained on the blog for any purpose. Any reliance you place on such information is therefore strictly at your own risk.