Low rate
high life
Save thousands with a lower mortgage rate.1
- Full approval in one day
- Rates typically .5% below the competition2
- Close in as fast as 10 days
Potential savings calculator
Owning
- $2000
- Monthly Payment
- 5.625%
- Rate
- 6.005%
- APR
Others’ average
- $2400
- Monthly Payment
- 6.417%
- Rate
- 6.851%
- APR
Your Potential Savings1
$400
Calculate how much more you can afford
Loan Amount
Potentially how much more home you get
$38,076
Find the right loan for you
Conventional Loans
By far the most common home loan in America.
Two-thirds of mortgages issued in the U.S. are conventional loans.
FHA Loans
Lower down payments and reduced income requirements can make buying your first home
more affordable.
Jumbo Loans
Flexibility to finance high-value properties with access to larger loan amounts beyond
conventional limits.
VA Loans
If you’re an eligible active or Veteran service member, you’re entitled to great benefits like no down payment and relaxed credit policies.
Digital HELOCs3
Tap into your home’s equity to consolidate debt, renovate your home and more – at a rate much lower than most credit cards.
hassle-free
home buying
AI-powered technology streamlines the process
and reduces costs for you.
Start fast
Full approval in 24 hours.4
Finish fast
Close in as fast as 10 days.
Rates were the lowest quoted
Incredibly knowledgeable and direct. No false promises or hidden content.
— Jessica
Fast, easy and simple
I was able to do everything through my phone. My Mortgage Specialist was always available and quick to respond.
— Gregory
Lowest interest rate I found
Easy and quick loan application process.
— Maria
Great team
Excellent response, competitive pricing, smooth process.
— Matthew
A significantly lower rate
Owning got us a rate significantly lower than any other lender we considered
— Claire
Flawless and speedy execution
All critical dates were hit earlier than expected.
— David
Compare mortgage rates and increase your buying power.
FAQs
Does Owning provide mortgage services in all 50 states?
Owning does business in all states except for Alaska, Nevada, New York, Rhode Island, Utah and Vermont.
What sets Owning apart as the ideal mortgage lender for borrowers?
Owning is able to deliver the level of customer service that you would expect from a mortgage lender, but we’re able to provide mortgage rates that are 0.25% to 0.5% below our competition because of our lean business model. Our proprietary technology enables us to get your mortgage moved through faster and easier than our competitors.
How does a home loan through Owning work?
Owning was developed to walk you through the entire mortgage process from application to closing. Our online application asks you a series of questions to evaluate your eligibility for a home loan. Then, we use the information you give us, and your credit report, to provide mortgage options that you can qualify for.
What kinds of homes can I apply for through Owning?
Most borrowers use Owning to buy or refinance:
- A single-family home
- A condo
- A 2-4 unit building
- A second home or investment property
- A townhome
- A PUD
If you want to buy or refinance something not mentioned above, contact our team for additional information.
Can I secure a home loan without phone or face-to-face meetings?
There may be some situations in which you’ll need to speak with one of our experts to answer some questions specific to your mortgage.
Once your application is complete, we may need to call you while we’re working on finalizing your loan. We’ll use phone calls and emails to communicate important information about your appraisal, closing and more.
What do I need for my mortgage application?
To start a mortgage application with Owning, we recommend you have the following information on hand:
- An email address for each person that will be on the loan
- Your online banking username and password, or details about how much money is in each account you want us to consider for your approval. This can include checking and savings accounts, retirement accounts, stocks and other assets.
- Your income and employer information
- Your Social Security number
Will applying for a mortgage through Owning impact my credit score?
If you do not have a sales contract we run a soft credit pull which has no effect on your credit score. Once you send us a sales contract, applying for a mortgage through Owning, or any mortgage lender, may have a minor effect on your credit score, lowering it by just a few points. However, checking your credit is a necessary step for getting a home loan. It allows us to show you real mortgage options and interest rates – and get you approved.
You have a 45-day window in which multiple credit checks from mortgage lenders are recorded only once on your credit report. This is so you can shop around for a mortgage without your credit taking a big hit.
More is possible
.5% lower rates = more buying power