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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

Everything You Need To Know About Credit Reports

A consumer’s credit report is a synthesis of the consumer’s credit accounts, payment histories, accounts referred to collections, inquiries into a consumer’s credit file and public financial records, like bankruptcies.

Which Home Lender Institution is Best for You?

Dive into Own Up's vibrant guide that decodes the diverse world of mortgage lenders. Unravel the intricacies of different types of lenders and steer your home buying journey with confidence.

What Is A Home Appraisal?

Mortgage lenders will require your property to be appraised before approving your loan. An appraisal is a report that sets forth an opinion or estimate of the fair market value of the property. The report is used by lenders to determine how much they are willing to lend against the property.

Understanding Closing Costs

Learn about the various fees and expenses that make up closing costs, helping you plan and manage your budget for a successful home purchase.

Read This Before Getting Preapproved for a Mortgage

Here's what you need to know about getting pre-approved for a mortgage before kicking off the home buying process.

How to Save for the Down Payment on Your First Home

Here are some ways homeownership may be in reach for millennials, while keeping the avocado toast on the table.

Your Down Payment Explained

A down payment is the personal cash contribution that a borrower makes in a purchase transaction. While programs exist for down payments as low as 3% for one-unit primary residences, the best loan terms available for primary residences come with down payments of at least 20%.

How Lenders Consider Additional Properties

If you own additional properties to the one you are buying or refinancing, there's some important implications for how your lender will qualify your loan.

How To Search For A Home

We sat down with a leading real estate agent to find out what the most important parts of a home search are.

The Ultimate Guide to Everything You Need for a Mortgage

We've created a handy checklist. Discover the key documents you'll need, from credit reports to income verification, ensuring a smooth and successful mortgage application.

We work for your best interest

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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.