Shop for your mortgage and save thousands

Own Up was created so no borrower has to overpay for their mortgage. Our AI-driven mortgage shopping service provides personalized, unbiased advice and access to top-rated lenders across the country at no cost to you. Own Up lenders issue pre-approval letters and offer market-beating loan terms. If you’re looking to buy a home or refinance an existing mortgage, start your journey off on the right foot with Own Up.

Studies from Fannie Mae and the Consumer Finance Protection Bureau show that shopping for a mortgage saves money. Rates can vary among lenders by as much as 1.0%. Own Up is a mortgage shopping service that exists to make sure you don’t overpay for your mortgage. We use AI to search for the optimal lender and take you directly to that lender, bypassing the high-priced salesperson whose commission drives up your interest rate (according to the Mortgage Bankers Association’s Q4 2023 quarterly report, the typical salesperson at a mortgage lender is paid a commission of approximately 1% of the loan or ~$4,000 on a $400,000 loan).

Own Up is not a lender or a bank. Own Up is an AI-driven mortgage shopping service designed to help customers find the right lender for their specific needs. We arrange but do not make loans.

Own Up is on your side. We make it possible for you to secure great offers from top-rated lenders that you can lock in or to gain negotiating power over your existing lender. We provide consumers with the leverage necessary to achieve better financial outcomes.

We’ve helped thousands of customers finance their first home, as well as people who are buying second homes and investment properties. We’ve got happy customers who own single-family homes, multi-family homes, condos, and townhouses.