Own Up
How it worksAbout


The know-how you need to navigate home financing.

Affordability Calculator

Learn how much home you can afford, and the next steps to take in the process.

Rate Range Finder

Get the range of rates for your borrowing scenario across thousands of lenders.

For Realtors

Learn how Own Up can save your clients time and money.

First Home Loan

Step-by-Step Guide: How to Buy a House for the First Time

Buying a home for the first time can be hard. Read this step by step guide to save time and money.

How Much Mortgage Can I Afford?

For most people, home affordability ultimately depends on the answer to the question: how much is a bank or mortgage company willing to lend to me?

What is Earnest Money (EMD) In Real Estate?

Earnest Money Deposit (EMD) is money paid by the buyer, after an offer is accepted by the seller, to validate that their offer is legitimate. This is also referred to as a “good faith deposit”.

What you need to know before getting a mortgage

What do you really need to know before getting a mortgage? A three-time Own Up customer turned employee explains what she's learned from three refinances and two home purchases.

How To Make The Right Offer On A House

Making the right offer on a house can cost or save you thousands. Read this guide from a top agent to help guide you.

How Your Income Impacts Your Ability to Get a Home Loan

One of the criteria used by lenders to determine if you qualify for home financing is your debt-to-income (DTI) ratio. This formula helps lenders determine if you have the capacity to meet your monthly debt obligations, including your mortgage payments.

The Cheapest States to Buy and Own a House

Looking for a cost efficient place to buy a home? Here are the top 9 states that have the most affordable home prices in the US.

How Much Does It Cost to Buy a House?

Buying a house costs more than a down payment. This complete guide outlines how much it actually costs to buy a house.

When is the Best Time to Buy a House?

The best month to buy a house depends on goals like price or choice. Read this guide to find the best month for you.

7 Reasons Only 1 in 4 Homebuyers Shop for a Mortgage

77% of homebuyers apply with only one mortgage lender. Here's why that's not a good idea, and what you can do instead.