our rates are low, like really low. so low that your bank is hiding in their vault because we are going to bust in and break up the party.
featured on: 
30-year fixed rate
15-year fixed rate
Explore how low
your rate can be
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and here’s why that’s good for you
We know guac is extra. With our low rates you'll still be able to afford it with your order.
Who owns a printer anymore? We've built a fully digital process so you can apply from your couch or your bathtub.
We love to see keys in the hands of our customers. You're the reason we get out of bed.
we made a super simple mortgage payment calculator to estimate what your monthly payments might look like.
monthly payment
See what your actual rates and monthly payments could be by answering a few questions about your unique goals.
in as few as 10 minutes, your phone is all you need to own
submit your application online
provide some quick financial information
we take care of the rest so you can find your home.
My appraisal came in low and they were still able to get my refinance done! Everyone was great and took time to help with everything they could! Excellent service!
Recently decided to refi my house. I was given the contact info for Owning and made a phone call. The ball was rolling immediately. A short process and Owning did just about everything. Easiest refi experience of my life. I highly recommend them.
Quick turnaround and follow-ups. Even after we closed, they are still reaching out to make sure we are all set. I’d do business with them again. Thanks, Owning!
I reached out to the agent, Derek Disarro and he responded immediately! He did not waste any time! We did the application on the phone and he worked with my schedule to make sure I got it done on the same day to lock in the rate.
Great pleasure to work with. I refinanced my home recently and the entire process was less than one month and the stress was minimal as my previous refi attempts. Got the best deal possible with little negotiating and back and forth. Would definitely recommend friends to refi with OWNING
The whole process was very quick and totally painless. I’ve refied 2 or 3 times before and every one was a pain but this one was fantastic. I would absolutely recommend this lender to everyone.
I had the pleasure of speaking with Tom about two months ago after I closed my loan for my home. I explained to him that I wanted to refinance days after I closed to take advantage of the builder credit for going with their preferred lender. He understood me and offered me a rate lower than Loan Depot.
