Low rate
high life

Save thousands with a lower mortgage rate.1

  • $0 Lender Fees
  • Full approval in one day
  • Rates typically .5% below the competition2

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.

Learn more | Get a quote now

FHA Loans

Lower down payments and reduced income requirements can make buying your first home
more affordable.

FHA options

Jumbo Loans

Flexibility to finance high-value properties with access to larger loan amounts beyond
conventional limits.

Explore jumbo loans

VA Loans

If you’re an eligible active or Veteran service member, you’re entitled to great benefits like no down payment, relaxed credit policies and no lender fee
at close.

Loans for the military

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.

Apply in minutes

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.

No lender fees

No application, origination, processing or underwriting fees.

Compare mortgage rates and
increase your buying power.


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