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Own Up Mortgage Review

Reviews 234
Own Up
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Own Up
Own Up
Reviews 234
Danielle Greving
Feb. 12, 2024
3 min read
Danielle Greving author image
Own Up Summary
Own Up is a mortgage marketplace that offers a unique shopping experience that includes access to licensed mortgage experts who serve as personal mortgage shoppers, a vast network of lenders that offer market-beating rates, and tools and resources that make it possible for every shopper to receive personalized advice and find the loan that is right for them. Own Up is completely free to use.


  • Helps you save money by comparing lenders
  • Provides shoppers with personalized mortgage shopping experts
  • Free to use
  • No hard credit pulls


  • Does not take formal mortgage applications

Own Up Own Up Visit Own Up


Own Up is a marketplace that  act as an intermediary between the borrower and the mortgage lender. 

After you complete a brief questionnaire on their site, you’ll receive recommended lenders based on your borrower profile. You will also then be able to speak to a licensed mortgage expert who will review your home-buying needs and goals, answer any questions you might have, and help you shop for the right deal for you.

When you have an accepted offer, you’ll be able to compare lenders in their network and see mortgage offers in real-time. Own Up provides borrowers with personalized offers without a hard credit check and they 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 lender. Own Up does not accept formal mortgage applications, originate loans, or make credit decisions. 

Own Up is available in all states except HI, NV, NY., UT

Types of Loans/Products

While Own Up doesn’t directly offer financing, 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, 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 a brief questionnaire on Own Up's website (this should take less than 5 minutes to complete). 
  • 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


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 charges per home loan. 

Own Up earns fees from its lenders, and all lenders pay the same fee. Own Up doesn’t directly charge its users (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 users. 

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 its lenders to connect them with users.

How does Own Up help customers save money?

Own Up provides home shoppers with market data so that they know what they should be paying for their mortgage. In addition it provides shoppers with multiple lenders who compete with each other to offer better terms. Lastly, Own Up charges lenders a fee which is a fraction of what they pay their sales-people, so lenders can return the savings to the borrowers in the form of better loan terms. 

Physical Address

50 Milk St

Boston, MA 02108 


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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