Own Up
How it worksAbout


The know-how you need to navigate home financing.

Explore our blog

Affordability Calculator

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

Affordability calculator

Rate Range Finder

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

Find your rate range

For Realtors

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

Learn more


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.

How to pause your mortgage payments during the Coronavirus crisis

If you suffer a decline in income or lose your job altogether, whether or not you become sick from Coronavirus, you will be eligible for payment relief for up to 12 months without late charges, penalties, or derogatory marks on your credit. Here's how to get the help you need.

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.

How Boston helped two bankers become MassChallenge Finalists

So how is it that two former bankers were able to leave a technologically challenged industry, launch a consumer facing technology start-up and become MassChallenge Finalists in less than 4 months? Well, none if it happens without the city of Boston.

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.

Co-founder and CEO Patrick Boyaggi Shares the Benefits of Own Up on the Creating Wealth Podcast

Our co-founder and CEO Patrick Boyaggio was recently interviewed by Jason Hartman from the Creating Wealth podcast where he discussed how Own Up helps consumers create the best financial outcome for themselves during the mortgage process.

Bringing Affordable Housing to Boston

Imagine being uprooted from your home and neighborhood because you can no longer afford to live there. It's happening throughout the country, including in Own Up's backyard -- Boston. At Own Up, we value honesty, transparency, and doing what's right for the customer in everything we do.

Announcing Own Up

RateGravity is becoming Own Up. We’re thrilled to announce our new name and excited to continue serving homebuyers with a new brand that better represents our company’s values and mission.

An Interview With Keller Williams Andover CEO Michael Hvizda

As with superheroes, an agent’s origin story often tells of struggle that led to growth. We recently spoke with Michael Hvizda, the CEO of Keller Williams Andover, about his entrepreneurial beginnings, including the failures that enabled him to thrive.

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.

© RateGravity Inc. DBA Own Up. All rights reserved. 2012-2023
NMLS: #1450805 · NMLS Consumer Access

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.