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Own Up

by [email protected]

Possess Up Is a home loan innovation organization with a basic contrast. Most online home loan destinations help clients look at credit offers, yet Own Up additionally allows every client a committed Home Advisor who remains with them through to advance conclusion. In addition to other things, Own Up causes you get pre-affirmed and consults with your moneylender to ensure you get the most ideal arrangement. Possess Up is an imaginative home loan innovation organization that accomplishes more than the normal home loan correlation administration. Possess Up was made to help home purchasers and even consult for your sake. Like other examination benefits, Own Up enables its clients to look at banks and locate the best home credit for your needs and money-related profile. It at that point goes above and beyond, doling out a committed home loan credit originator (MLO) to help with the application procedure. MLOs help home purchasers with getting pre-endorsement (a stage past simple pre-capability) and even help arrange legitimately with the moneylender to show signs of improvement bargain.


  • Home Advisors negotiate with lenders for you
  • Assistance with getting pre-approved


  • Not a direct lender
  • Only available in 6 states

Own Up at a Glance

  • Loan types
    Purchase, Refinance
  • Featured Loans
    Fixed, ARM, FHA, VA, cash-out refinance
  • Repayment terms
    10-30 years
  • Minimum Down Payment
  • Minimum Credit Score
  • Best for
    First-time buyers looking for assistance with getting the best deal possible on their mortgage

Best For?

While Own Up serves a wide range of home purchasers, its administration is customized to first-time purchasers searching for hands-on help. Claim Up sticks with its clients from the earliest starting point of your inquiry through to conclusion, regularly sparing countless dollars on all-out premium installment over the life of the credit.

Types of Loans

Claim Up helps clients with obtaining or renegotiating. The banks Own Up accomplices with offer typical mortgages, kind-sized credits, government-upheld advances, for example, FHA and VA advances, portfolio advances, and a wide range of re-financing including money out renegotiating.

The following are characteristics of Own Up-brokered loans:

  • Customers must have US citizenship or residency or hold a visa
  • Loan terms vary from 10-year to 30-year fixed-term loans and 3/1 to 10/1 ARM
  • Minimum down payments vary from 0% for VA loans to 20% for conventional loans
  • Minimum credit varies between participating lenders, and goes as low as 500—the lowest possible credit for government-backed mortgages
  • APRs vary from customer to customer, and Own Up sees it as its role to secure its customers the lowest interest rates possible

The Application Process

The application procedure starts with a short online structure that sorts clients by the stage they’ve come to in the home-purchasing process so as to offer them the most-pertinent kind of help.

To begin, customers must select from the following options:

  • Buying or refinancing
  • Not looking for a home, just looking around, or already accepted an offer
  • Already pre-approved or not yet pre-approved
  • Interested in getting pre-approved or not interested in getting pre-approved

We presented ourselves as a customer who was looking around, hadn’t yet been pre-approved, and was looking to get pre-approved.

Here’s what we were asked to fill out:

  • State (only available to buyers in Connecticut, Florida, Maine, Massachusetts, New Hampshire, Rhode Island)
  • Type of property (single residence, condo, multi-family residence, or townhome)
  • Purpose (primary home, secondary home, or investment property)
  • Purchase price
  • Size of down payment
  • Details about previous home ownership
  • Details of current employment, including salary, bonuses, and amount of time in role
  • Option of adding a co-borrower
  • Full contact details
  • State whether you’re working with a real estate agent
  • State when you’d like to purchase (0-3 months, 3-6 months, or 6+ months)

Depending how you round out the structure, Own Up can offer 1 of 2 administrations. The principal administration, if the client is hoping to get pre-endorsed, is immediate help from a home loan permit originator. The subsequent administration, if the client isn’t prepared for pre-endorsement, is a welcome to address one of Own Up’s specialists and find out additional.

Administration number one, pre-endorsement, starts with a 7-minute telephone call taking a gander at the qualities and shortcomings of your loaning profile, getting limits under various situations, and individual home financing plan. This incorporates a delicate credit request. Your MLO will at that point help you with pre-endorsement. As per Own Up, it is the main home loan organization to enable you to refresh your pre-endorsement letter in a completely mechanized manner. Your committed MLO remains with you for the remainder of the application, basically consulting on your sake to cut you the most ideal arrangement.

Pros and Cons

Claim Up offers a few noteworthy advantages, to be specific hands-on help and a pledge to total straightforwardness. Claim Up aides its clients through the whole contract application process, basically speaking to the home purchaser in arrangements with the loan specialist. It is additionally extremely straightforward about the manner in which its administration works, with clear clarifications on its site about the procedure and related expenses.

The main observable drawback here is that Own Up at present just serves borrowers in 6 states: Massachusetts, Connecticut, New Hampshire, Maine, Rhode Island, and Florida. Claim Up has Stated that it plans to quickly grow to new expresses this year.

Rates and Fees –

The Bare BasicsSince Own Up arranges rates for its clients’ benefit, there are no fixed APRs whatsoever. Claim Up enables clients to look at the best loan specialists and the best rates, at that point consults with the client’s picked bank to thump the rates down considerably more. Claim Up doesn’t charge the client any expenses; it acquires all its cash from the loan specialists themselves. Obviously, the home purchaser must compensation all the loan specialist’s expenses, however again Own Up consults with the moneylender to set aside the home purchaser cash.

Repayment Terms

The reimbursement terms offered by Own Up’s different taking part moneylenders to shift. As a rule, terms run from 10 to 30 years for fixed rates, and 3/1 to 10/1 for customizable rates.

Help & Support

Possess Up’s administration is based on managing its clients through the home loan process. At the point when a client rounds out the online structure, they get the chance to see full subtleties of the MLO doled out to them, including name, photograph, and MLO permit number. Clients may likewise contact Own Up straightforwardly during business hours on 844-947-2848.


Possess Up positions up there with the most creative organizations in the online home loan business. Instead of simply help purchasers think about home advances, it goes above and beyond and really directs you through the procedure. Possess Up has its very own home loan credit originators who are authorized to pre-support purchasers in the interest of the moneylenders. By doing some portion of the bank’s work, Own Up recoveries the loan specialists a great deal of cash. It passes the greater part of these investment funds on to its clients—the home purchasers.

Own Up FAQ


Own Up was founded in Boston in 2016 under the name RateGravity. The 3 co-founders, Patrick Boyaggi, Mike Tassone, and Brent Shields all had experience in the banking and lending industries and wanted to create a completely transparent mortgage brokering service. RateGravity re-branded as Own Up in 2019 and currently has 20 employees.

If you take a mortgage from one of Own Up’s partnering lenders, the lender pays Own Up 0.30% of the loan amount. Just for comparison, the average commission for a mortgage salesperson is about 1.15% of the loan.

Own Up takes a lot of the origination process out of lenders’ hands, including pre-approval. In return for saving the lender money, the lenders agree to reduce interest rates on Own Up’s customers.

According to Own Up, its customers save an average of $21,000 over the life of their loan. Obviously, savings can vary based on the loan amount and loan term.

Physical Address

RateGravity, Inc. dba Own Up
21 Union St.
Boston MA 02108

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