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Own Up Mortgage Review

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Own Up
Own Up
Reviews 2
Danielle Greving
Mar. 02, 2022
2 min read
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Own Up Summary
Own Up is a mortgage marketplace founded by previous mortgage bankers. They offer easy-to-use online tools that help you evaluate lenders, understand how much you can afford in a home, compare offers, and even update your pre-approval letter. After building your profile, you’ll meet with a home advisor to help you decide which mortgage company is right for you. Own Up is completely free for borrowers to use.


  • Helps you save money by comparing lenders
  • Doesn’t charge customers anything directly
  • Offers automated pre-approval letters


  • Only available in select US states
  • Does not take formal mortgage applications

Own Up at a glance

Editorial score

Customer Service and Support

Mortgage broker service

Variety of Loan Types

Purchase and refinance, fixed-rate or ARM

Variety of Products

Vary according to lender

Online Experience

User-friendly and informative site

Geographical Availability

Available in 26 states

Own Up Own Up Visit Own Up


While Own Up refers to itself as “your mortgage co-pilot.” It’s a fully online mortgage broker and act as an intermediary between the borrower and the mortgage lender. 

After you complete an anonymous online profile on their site, you’ll be matched with a dedicated advisor who will discuss your home buying needs and goals with you, as well as what you can expect during the mortgage process. 

You’ll then be able to compare lenders on their network and see mortgage rates from partner lenders in real-time. Own Up provides borrowers with personalized offers that don’t require you to share your social security information. 

Suitable For?

Own Up is suitable for anyone who is looking for a competitive mortgage rate and wants their questions answered about the mortgage process. However, it’s important to note that Own Up is not a lending service. The information you provide acts as an inquiry and Own Up does not accept formal mortgage applications, originate loans, or make credit decisions. 

It’s also important to note that Own Up is only available in a select number of states: Colorado, Connecticut, Florida, Georgia, Maine, Massachusetts, Michigan, New Hampshire, Pennsylvania, Rhode Island, Tennessee, and Texas. 

Types of Loans/Products

While Own Up doesn’t directly offer traditional mortgage products, it will match you with lenders that do. This means you can find just about any type of home loan through Own Up, including a home purchase loan or refinance loan, and find fixed and adjustable-rate mortgages. 

You can also find financing for different types of properties, including houses, condos, townhomes, or multi-unit properties. Additionally, Own Up can match you up with a variety of down payment options, including low to no down payment options for those who qualify for special loan programs such as FHA or VA loans. 

The Application Process

Own Up’s application can be completed from the comfort of your home. Here’s what you’ll need to do to get matched with a lender:

  • Step 1: Complete an online profile on its website (this should take about 5 minutes). 
  • Step 2 (Optional): After reviewing your profile, you’ll be matched with a home advisor who will set up a call with you to discuss your mortgage goals. 
  • Step 3: Own Up’s website will generate potential lender matches. You can then compare rates and fees from these partner lenders and choose the one that’s right for you.
  • Step 4: Fill out the mortgage lender’s application, and all going well, it will process, underwrite, and fund your home loan. 

Repayment Terms

Repayment terms vary from lender to lender. You can speak with your dedicated advisor to figure out what repayment term works for you. 

Help & Support

Own Up offers 24/7 online chat support. You can also email the company directly at Additionally, you can call the customer service line at 1-844-947-2848 Monday through Friday. 

How Own Up Compares

Own UpLending TreeSELFi
Live Chat SupportYesNoNo
Better Business Bureau Score4.85/5.01.42/5.0N/A
Types of LoansAll types available - depends on lenderAll types available - depends on lenderAll types available - depends on lender
Cost for BorrowerFreeFreeFree


Whether you’re buying a new home or refinancing your existing mortgage, Own Up can help you achieve bigger savings. Own Up claims to save customers money by charging less than what the typical salesperson owns per home loan. 

Own Up charges its partner lenders a flat 0.40% of the loan amount, and it doesn’t directly charge its customers (borrowers) anything. It handpicks reputable and financially secure mortgage companies and puts lenders through a rigorous screening process to find the top ones for its borrowers. 

Own Up Own Up Visit Own Up


How much does Own Up cost?

Own Up is completely free to use. 

How does Own Up secure personal information?

All information transmitted to and from Own Up’s website is encrypted following the highest industry standards. Additionally, it doesn’t collect sensitive personal information, such as social security numbers or personal financial documents. 

Does working with Own Up affect your credit score? 

Own Up conducts a soft credit inquiry to check the rates and terms you qualify for. This check does NOT affect your credit score. 

How does Own Up make money?

Own Up makes money by charging lenders 0.40% of the loan amount. 

How does Own Up help customers save money?

The typical mortgage lender salesperson receives a commission rate of 1.15%. Own Up charges a fee that’s nearly ⅓ of this, at 0.40%. Because Own Up helps lenders save money, many lenders offer reduced rates to their customers. 

Physical Address

101 Arch St

Boston, MA 02110-1130


This review was compiled using information from Own Up’s website. 

Danielle Greving author image
Written by
Danielle Greving
Danielle is a tech and finance writer with experience in personal finance, cryptocurrency and numerous SaaS companies. Her bylines can be found on MoneyTips, CoinMarketCap, GraniteShares and An avid traveler and former ESL teacher, Danielle's writing blends a wealth of technical and financial knowledge with simple and straightforward explanations for everyday readers.

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See what some customers are saying about Own Up
Own Up
Reviews 2
alina nadeau
2 years ago
The agents working there are very…
The agents working there are very dedicated and they follow up whenever I need. I got helped for cashing out from my condo. All process was smooth and well explained. I am pretty satisfied with their service and working style.
g anderson
3 years ago = Best Mortgage Advice Available
I found Own Up online almost by accident. We had been wanting to refinance our mortgage to take advantage of the current low rates, but finding the best mortgage company online had been nothing but a hassle for months. Then I saw an ad for Own Up and decided to take a chance on a ten-minute phone call. That was the best decision I could have made. Walter Daughtrey , loan specialist with Own Up, scheduled a convenient time so we could discuss options available for our refinance, and then he quickly found the best mortgage company for us and helped us lock in our new, low rate. From start to finish, so, so easy. Own Up is absolutely the best assistance available online when you are ready for a mortgage or re-fi... absolutely a home buyer's best friend.