Owning exceeded my expectations on refinancing. I was shopping for refinancing with different lenders and was quite frustrated by all the information received. I saw Owning's zero cost commercial on KTLA and applied on their website. Got a call the next morning on a Saturday and fast forward 2 weeks, the loan was closed. I called the loan processor the very first time before it was about the close, not because I need to speak to her, but I just couldn't believe the process was that easy and smooth. Overall, the interest rate was the lowest I could find, no cost to me (the breakdown was easy to understand) and they move really fast. The loan officer and processor are both outstanding.
My husband and I wanted to refinance our home to get a lower rate and shorter term. We shopped around and received quotes from 4 other lenders, including our own bank and the bank who already had our loan, before finding Owning. Not only was Owning the lowest rate we were offered, they were much more responsive than the other lenders. We decided on doing the refinance with Owning and it was the quickest and easiest experience. Overall, I felt very comfortable throughout the process and felt like I was in good hands and was making the right choice going with Owning.
I called about two weeks ago just to find out what the current rates are. I was given a rate but I initially did not believe that we'll get it because my credit score is not perfect (it's not bad either). After giving them all the requirements, next I know is we were signing the closing docs in no time. We got a really really low APR and with no closing cost! My wife is ecstatic too because we are going to save a lot of money and we will be able to payoff our mortgage loan in a shorter time. I felt that I am not just a credit score number to them and was treated like a real person as they gave me the best rate as promised. It was too bad that we couldn't see the agent and the loan processor in person because of the pandemic that's going on in our country but it was it was still done very quickly.
My partner and I shopped around with several lenders to buy our first home. We got multiple quotes and Owning continuously matched or beat every one of them. After a few rounds of negotiation between different lenders, we ended up going with Owning and scored a great interest rate and covered all of our closing costs; when we told one of the competing lenders the deal that Owning was giving us, the competitor told us to stop wasting our time and take the deal - we weren't going to find anything better.
Owning is bringing trust and simplicity to both real estate and mortgage. Our goal is to turn what are universally regarded as burdensome life events into exciting and rewarding experiences that are simple from start to finish.
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Owning Corporation CA DRE #02063270.
NMLS Unique Identifier #1797976.
DRE MLO Endorsement #1797976.
Licensed by the Department of Business Oversight under the
California Residential Mortgage Lending Act,