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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.

Mortgage Information

VA Closing Costs

Learn more about how closing costs can change for VA loans.

Written Verification of Income (VOE)

Learn how written verification of income (VOE) factors into the mortgage process.

The Biggest Secret in Homeownership

Don't overlook the market spread of interest rates and how it's funneling millions of dollars to banks and mortgage companies. Shop around and get a low rate.

Introducing Lender Grader, a tool to help borrowers understand the mortgage market

Lender Grader helps you visualize and understand just how much rates vary from lender to lender, and what that might mean for your bottom line.

Dear Mortgage Industry: We Need to Talk About Race

An editorial in The New York Times last month highlighted a recent study by the Center for Investigative Reporting. The report found that African-Americans and Latinos were more likely to be denied conventional mortgages than whites, even when income, loan size, and other factors were considered.

The Mortgage Industry’s Binary Problem

One reason the mortgage industry has failed to innovate is because of what I refer to as the industry’s “Binary Problem”. Specifically, this is the mindset that in order to get one thing, it has to be at the expense of another.

The 3 Failures of the Pre-Approval Process

The pre-approval process is a key component of the homebuying experience, but the modern pre-approval process is a failure. Here's why.