Own Up Review for 2026: Compare Rates, Lenders & Loan Offers
Advantages and Disadvantages of Own Up
The sides.
- Own Up allows borrowers to compare multiple lenders through a single marketplace.
- You can see personalized loan offers without giving out your Social Security number right away.
- Own Up says it uses only a soft credit inquiry in the early stages of the comparison process.
- You can use Own Up for both purchase and refinance loans.
Against.
- Own Up is not a direct lender, so the lender you choose will determine the final terms of your loan.
- The site does not list all lender fees for every possible loan situation.
- Borrowers may not see every mortgage lender or product available in the wider market.
- Your experience may vary depending on which lender, partner or advisor you work with.
Own Up mortgage rates and costs
Own Up is free to use, so it can be a useful platform to compare mortgage offers before choosing a lender. This online market shows personalized offers from its network of lenders, but Own Up does not set the final rate, fees or closing costs. Those details come from the lender that the borrower chooses.
Each lender uses its own rates and approval criteria, so costs can vary depending on the borrower’s credit profile, down payment, loan type, property details and location. Borrowers should compare interest rates, APRs, discount points, lender credits and estimated closing costs before choosing an offer.
Own Up does not publish a complete fee schedule for each lender in its marketplace. Borrowers should request a loan appraisal from the lender of their choice and compare it to quotes from banks, credit unions, mortgage brokers or online lenders.
Own Up for review 2026
Own Up is a fintech company based in Boston that helps you compare mortgage offers from its network of lenders. The founders, Patrick Boyaji, Mike Tassone and Brent Shields, created the platform to help people avoid overpaying for mortgages. The process uses online rate tools, lender comparisons and guidance from Own Up Home Advisors, so you can review offers without hard credit check in the beginning.
This 2026 The Own Up review rates the market on affordability, credit flexibility, reliability and customer experience. These factors are important because Own Up can help borrowers compare mortgage options, but the final interest rate, closing costs, approval decision, timeline and service experience depend on the lender they choose.
Accessibility
The main advantage of Own Up costs comes from comparison shopping. Its marketplace allows borrowers to review multiple offers, which can help them find a better rate or use competing offers to negotiate with another lender.
A borrower’s actual mortgage value depends on several personal and credit factors, including:
A low advertised interest rate may require points, and a low down payment loan may require mortgage insurance.
Own Up says customers save an average of $28,000 during the term of their loan. Borrowers should consider this a market requirement, not a guaranteed outcome. The best way to measure savings is to compare loan estimates with similar types of loans. rate lock-in periodpoints, lender loansand: closing cost assumptions.
Credit flexibility
Own Up gives borrowers a broader view of their mortgage options by sourcing offers from its network of lenders. Borrowers can use the platform to buy or refinance a home and then compare how loan type, down payment, purchase price and credit profile may affect the available offers.
That setting might help first time home buyersrepeat buyers and homeowners who want to refinance. It can also help borrowers who already have a loan offer and want to know if another lender can offer better terms.
Own Up does not appear to publish detailed credit score minimums, debt-to-income limits, minimum down payments, or income requirements for each lender in its marketplace. That makes sense because each lender sets its own underwriting requirements. Borrowers with more complex financial situations should ask a few additional questions before choosing a loan offer. This includes borrowers with credit challenges, self-employment income, interest income, investment property or specialized loan needs.
Credibility
Own Up gives borrowers several reasons to take it seriously. It is part of Experian and the licensing details list RateGravity Inc. as a company under the name Own Up with NMLS #1450805.
Own Up too the states that it is not a lender. It operates as an advertising-supported publisher and comparison service, and it may receive compensation from third-party advertisers when borrowers use financial products through the platform. The website says the offset does not affect the ordering or placement of mortgage offers, but borrowers should still compare Own Up results to quotes from lenders outside the market.
Customer reputation seems generally positive. As of summer 2026, Own Up’s website displays a 4.9 rating With 4690 verified reviews. To that BBB profile lists the company as an accredited mortgage broker, and Trust the pilot shows a 4.8 star rating from 394 reviews. However, borrowers should review recent customer feedback as mortgage markets can vary by advisor, partner lender, location and loan scenario.
Bottom line: You can use Own Up to shop, but be sure to carefully review your loan estimate, ask about fees, compare at least three citationsand check which lender will originate and service the loan.
Customer experience
Own Up offers a digital mortgage application process with advisory support for some borrowers. It website says borrowers can create a personalized profile in about five minutes, use the service without a heavy credit check and compare personalized loan offers without providing a Social Security number upfront.
You start by creating a profile. Own Up can then connect you with a Home Advisor or lender depending on your situation and choices. You can also compare your current loan offer with pre-qualified offers from network lenders.
- The main advantage is comfort. Borrowers can shop, select and compare offers in one place instead of contacting multiple lenders separately.
- The primary drawback is control. You won’t work with your final lender until Own Up connects you, so things like the application, underwriting, appraisal, rate lock, closing and servicing will depend on that lender.
FAQ about Own Up
Own Up is not a mortgage lender. This is a mortgage marketplace that helps borrowers compare offers from participating lenders. RateGravity Inc. is the name of the law firm and Own Up is the trademark it uses publicly. Own Up can help borrowers compare mortgage options, but the lender handles the final loan approval, loan terms, underwriting and closing.
Own Up says it can provide personalized loan offers without a hard credit inquiry in the early stages of the home buying process. The site says borrowers don’t need to file for Social Security at that stage. The lender may later require a tough credit check if the borrower submits a complete application. Borrowers should ask when a hard inquiry will be done before choosing a lender and applying for a mortgage.
Own Up says it operates as an ad-supported publishing and comparison service. The Company may receive compensation from third-party advertisers when borrowers apply for and receive financial products. Its website says the refund does not affect the ordering or placement of mortgage offers. Borrowers still need to compare Own Up offers with those from outside lenders to assess pricing for themselves.
Own Up works with borrowers looking to refinance as well as homebuyers. Homeowners can use the platform to compare refinancing options or assess whether a current offer is competitive. Refinancing costs can include lender fees, title fees, appraisal costs, discount points and prepaid items. Homeowners should weigh the monthly payment savings against the closing costs and time spent in the home.
Own Up can help borrowers find competitive mortgage rates by comparing offers from participating lenders. The company also offers a Rate Range Finder that shows interest rate ranges based on borrower data and the latest market data. However, the borrower’s final rate depends on the credit score, down payment, loan amount, property type, loan program, location and scores. Borrowers should compare APR, fees and cash to close, not just the interest rate.
Own Up is the best mortgage marketplace for you.
Own Up can be a good choice if you want help comparing mortgage offers without having to apply to multiple lenders yourself. It’s also useful if you already have a loan offer and want to see if another lender can beat it.
Own Up lets you compare offers, but it’s not for everyone. If you want to have a direct relationship with a single lender, you may prefer a bank, credit union, mortgage broker, or online lender. If you have complicated income, credit issues or special property needs, ask which lenders in the Own Up network can help you.
Overall, this Own Up review finds that the marketplace can help you compare mortgage offers before choosing a lender. Be sure though review each loan estimate carefully, ask about fees and check the total cost before making a decision.
How The MortgageReports Earned Own Up
Mortgage Reports rates home equity partners using a standardized rating methodology that reflects what is most important to homeowners.
We rated Own Up on key factors including loan flexibility, cost transparency, ease of access, educational resources, company credibility and customer experience. Each category is weighted based on its importance to borrowers considering a home equity agreement.
