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IT’S YOUR MORTGAGE EXPERIENCE – OWN IT.

At Owning, we’re here to deliver your home loan on your terms with top-notch service and lower rates.¹

Full approval in one day
Enjoy rates typically lower than other lenders.
Close your loan in as little as 10 days.

Let’s get started

What are we helping you with today?

Buy a home

Refinance a home

Let us know where you’re at

Figuring out what I can afford
Looking to buy in the near future
I’m ready to make an offer
I’m under contract

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Which applies to you?

Which of these common refinance goals is closest to what you hope to do?

Cash-Out
Lowest Monthly Payment
Shorten loan term
Lower rate

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…and about how much are you thinking of spending?

Estimated house price

$0 $2,000,000+

Down payment

Percent

0% 100%

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Tell us a little bit more about your home.

If you don’t know exactly, your best guess is fine.

Remaining loan balance

$0 $1,200,000

Estimated value

$0 $2,000,000

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Do you know where you’d like to buy?

Not sure? No worries. It can be changed later.

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Congratulations!

What’s the address of your new home?

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Great! Now what’s the address of the home you’re refinancing?

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What’s your credit score?

We use this to estimate your rate. Give us your best guess.

Excellent (740 and above)
Good (700 – 739)
Average (640 – 699)
Fair (580 – 639)
Needs improvement (less than 580)

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What do we call you?

We need that actual legal name.

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Can we get that email?

We communicate through email. So don’t forget to check your inbox.

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Can we get your digits?

No need to fear, no selling here. We keep your info private.

By entering phone number and clicking the “Find my rate” button, I agree to Guaranteed Rate, Inc. D/B/A Owning’s SMS Terms, Privacy Policy, Terms of Use, and CA Terms of Use, which includes my agreement to arbitrate any claims I may have against Owning, and I also consent by electronic signature to receive calls and text messages from Owning made by any means or technology, including prerecorded message, artificial voice, artificial intelligence, automated telephone dialing system or other automated system for the selection or dialing of phone numbers, for informational, marketing or any other purposes at the phone number I have provided. Message frequency varies. I also understand that my consent to such calls and text messages is not required or a condition of any purchase from Owning. You may opt out at any time by emailing us a Do Not Call Request at [email protected] and providing your phone number. Message and data rates may apply. Text HELP for help. Text STOP to unsubscribe from text messages.

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loving the rates and the seamless process

All critical dates were hit earlier than expected.

— David

Unparalleled service to help my loan get approved on time for the closing.

— Guey

Owning got us a rate significantly lower than any other lender we considered.

— Claire

Get pre-Approved in minutes

Easy online application

Great rates

Mortgage rates typically .5% lower than the competition

Full approval, fast

Fully underwritten approvals in 24 hours^2,3

Close with certainty

Close in as fast as 10 days

Loan assumptions

__SELECTED_RATE_HOLDER__ Year Assumptions

Sample rate of __RATE_APR_HOLDER__ APR (annual percentage rate) based on the following assumptions:

Based on a loan amount of $700,000 and a down payment of __DOWN_PAYMENT_PERCENTAGE_HOLDER__
__SELECTED_RATE_HOLDER__-year fixed rate
__POINTS_HOLDER__ point(s) = __POINTS_PAYMENT_HOLDER__
Location: Orange County, CA
First Lien position
__FICO_SCORE_HOLDER__ FICO score
__DAY_RATE_LOCK_HOLDER__ day rate lock
Primary residence
__LTV_RATIO_HOLDER__ LTV ratio
Debt-to-income ratio: 40%
Property taxes: 1.14% of home price
Homeowner insurance: 0.25% of the home price
Private Mortgage Insurance:0.55% of the loan amount until Loan-to-Value < 80%

Advertised rates and APR effective as of __APR_EFFECTIVE_DATE_HOLDER__ and are subject to change.

Subject to underwriting guidelines and applicant’s credit profile. Sample payment does not include taxes, insurance or assessments. Not all applicants will be approved. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Contact Owning for more information and up to date rates.

Monthly Savings

Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Owning for current rates. Restrictions apply.

¹ Savings, if any, vary based on consumer credit profile, interest rate availability and other factors. Sample savings amount is provided for illustrative purposes only. Owning cannot guarantee a borrower will save a specific amount of money by obtaining a loan. Contact Owning for up to date rates and to discuss your individual loan options. Borrowers are free to obtain additional quotes to ensure they are getting the best services and the best price for those services. Restrictions apply.

²PowerBid Approval (the “Approval”) is contingent upon receipt of executed sales contract, an acceptable appraisal supporting value, valid hazard insurance policy, and a re-review of your financial condition. Owning reserves the right to revoke this Approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation and/or if any information contained your application is untrue, incomplete or inaccurate. Receipt of an application does not represent an approval for financing or interest rate guarantee. Not all applicants will be approved for financing. Restrictions may apply, contact Owning for current rates and for more information.

³Owning’s 1 day approvals promotion offers qualified customers who provide certain required financial information/documentation to Owning within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Owning cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Owning reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Self-employed borrowers are not eligible. Not all borrowers will be approved. Borrower’s interest rate will depend upon the specific characteristics of borrower’s loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit owning.com/one-day-approval for terms and conditions.

* The scenario referenced is based on a sample monthly Principal and Interest (P&I) payment of $2,955, purchase price of $600,000, down payment of 20%, 30-year fixed rate mortgage and rate of 6.25%/6.486% APR (annual percentage rate). If scenario rate were .5% higher, sample monthly Principal and Interest (P&I) payment would increase to $3,113 on a 30-year fixed rate mortgage and rate of 6.75%/6.986% APR. The overall P&I monthly difference is $158, or $1,896 a year. Advertised rates and APR effective as of 05/20/24, assumes a first lien position on a primary residence, and are subject to change without notice. Subject to underwriting guidelines and applicant’s credit profile. Sample payment does not include taxes, insurance or assessments. Not all applicants will be approved. Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Restrictions apply.

Savings, if any, vary based on consumer credit profile, interest rate availability, and other factors. Restrictions apply.

Owning is a division of Guaranteed Rate, Inc, NMLS #2611 Headquarters: 3940 N Ravenswood, Chicago IL 60613

For licensing information, go to: www.nmlsconsumeraccess.org
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This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
Licensed by the Department of Financial Protection and innovation under the California Residential Mortgage Lending Act.
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