Author

Patrick Boyaggi

Patrick is the Co-Founder and CEO of Own Up. He has a wealth of experience and knowledge as a mortgage executive.

Before starting Own Up, Patrick was the Senior Vice President at Leader Bank and a Management Consultant at Accenture.

Throughout his career, Patrick has helped tens of thousands of homebuyers secure mortgages in his career. Patrick is passionate about empowering people to improve their financial future using technology and data to offer personalized guidance.

Patrick holds an MBA from Northwestern University’s Kellogg School of Management and a BA from Bates College.

Articles by Patrick Boyaggi

Mortgage Advisors

How To Compare Mortgage Rates And Loan Estimates

Compare mortgage rates and loan estimates with a clear checklist to find the lowest-cost loan for your credit, down payment and goals — save money.

First Home Loan

Mortgage Comparison Guide for First‑Time Homebuyers

Compare fixed vs adjustable, government vs conventional loans, and closing costs to choose the mortgage that fits your first-time home budget and goals.

First Home Loan

10-Step Guide for First-Time Home Buyers

Step-by-step, 10-point guide for first-time buyers — from finances and preapproval to offers and closing, so you can buy your first home with confidence.

First Home Loan

How To Buy Your First Home: Step-by-Step Guide

Clear, step-by-step guidance for first-time buyers: get mortgage-ready, compare loan options, estimate affordability, and close with confidence.

Mortgage Advisors

How to Choose a Mortgage Advisor: What to Look For

Find the right mortgage advisor: key traits, questions to ask, fee transparency and red flags to save money and stress in your home-buying process.

Mortgage Advisors

Should You Work With a Mortgage Consultant?

Decide if a mortgage consultant is right for you - get expert guidance to save time, find better lender options, and reduce stress through closing.

First Home Loan

Best Home Loan Options for First-Time Buyers

Compare FHA, VA, USDA and conventional loans with expert tips to pick the right mortgage and lower costs for first-time homebuyers.

Mortgage Advisors

How To Choose The Best Mortgage Advisor For You

Find the right mortgage advisor: four key qualities and step-by-step guidance to secure better rates, clearer options, and confident homebuying.

Mortgage Advisors

Do Mortgage Comparison Tools Make Home Buying Easier?

Quickly compare mortgage rates, fees and terms to save time, find better offers, and know which lender details to verify before applying.

Mortgage Advisors

How To Shop For A Mortgage: Step-by-Step Guide

Get a clear step-by-step guide to smart mortgage shopping—budgeting, credit, loan types, documents and lender comparison to find your best rate.