About Own Up
Data updated- Website
- ownup.com
- Category
- Money & Insurance
- Location
- United States
- Status
- Unclaimed
- Last 12 months
- 90 reviews
- Replies to negative
- 86% (6/7)
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About this business
Own Up is a mortgage shopping website that exists to make sure you never overpay on your mortgage. Customers can compare multiple mortgage offers from top lenders and find a great deal. The average customer saves $28,000 over the life of their mortgage. Get your personalized mortgage offers. Say goodbye to hard credit checks and sales pressure.
Written by the business, not verified by us.Is Own Up legit?
Own Up (ownup.com) has a 4.7 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 93% rating it 4 stars or higher; The business has replied to 86% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-09-04.
What reviewers say
AI generatedReviewers overwhelmingly had a great experience with this company. Customers frequently praise the support staff for being extremely helpful, patient, and knowledgeable when answering various mortgage questions. Consumers often point out the remarkably quick communication, noting that representatives reach out almost immediately to provide clear guidance. Reviewers emphasize that the online inquiry process is exceptionally smooth, offering immense peace of mind throughout the entire journey. Some reviewers were not happy with the aggressive marketing tactics or felt hesitant about potential sales pressure. A few consumers also mentioned concerns regarding heavy promotion on social media channels or feeling rushed during initial consultations.
Auto-generated from all reviews of this business. For reference only.What people say
Ownup.com is very accurate, and Helpful
They was very nice, very quick with responding, and helpful also was right to helping me start the process of buying a home. I was very pleased.
Trust and efficiently, they work professionally awesome experience
All the staff in contact were professional helpful help make the process easy and stress free
Own up was the way to go when applying…
Own up was the way to go when applying for home loans. We were trying to compare prices and types of loans and Own up team was able to put it in simple terms and we loved working with Tammy
They made it so easy
They made it so easy. They asked questions based on what we wanted an what we had to work with me an minutes later I was connected with a lender who also was amazing. They made it so easy!!!!
False advertising
False advertising, site does not show you rates. Just sells your info so you spend hours fighting off the unwanted sales calls, and the house hunters that call immediately.
Reply from Own Up2026-03-06
Ghost, Thank you for taking the time to share your feedback—we're truly sorry your experience didn't meet your expectations. We reached out via email through Trustpilot to see if you'd be open to sharing more details so we can look into what happened in your specific case. To clarify: We never sell or blast your information to multiple parties. Our process is designed to protect your privacy and avoid the overwhelming calls many people experience elsewhere. We offer two main paths for home purchase customers: (1) Lender Direct — We analyze your profile and scenario using our network, then match you with one optimal lender we believe is the best fit—no multiple quotes or spam. (2) Home Advisor experience — One of our Home Advisors contacts you for tailored guidance, pre-qualifies you if needed, and recommends a single lender that aligns with your needs. In both cases, you're connected to only one lender. The "house hunters" and unwanted sales calls you're describing don't align with how we operate, so we'd really like to understand more about what you encountered (e.g., who called, when, and any details from the site interaction) to properly investigate and make this right. We're here to help bring clarity and resolve this—please feel free to reply here on Trustpilot or email us at [email protected] anytime. Sincerely, Customer Success at Own Up
Great customer service
Great customer service. Thank
Own Up was very professional and…
Own Up was very professional and prompt. I received a phone call quickly from Crystal B, who was kind and explained to me the process. I love that I was connected to only 1 lender, and not bombarded with endless calls, emails and text messages from multiple lenders. I was connected to Mutual of Omaha Mortgage and went through the pre-qualification process promptly. It was so easy.
The best thing happen in my life
The best thing happened in my life. I applied and Pre-approved on the same date. A special Thanks to Dee Brown from Ownup and Laurie Cahill, Sr Loan Officer from New American Funding for your excellent service! My appreciation to both of you! Godbless you more!
They were very helpful and…
They were very helpful and knowledgeable. Just wanted I needed to get some confidence in this process. Olivia has really helped guide me in the direction we needed!
No stress!
So far the process has been very easy and everyone has been helpful and friendly.
Misleading advertising
Misleading advertising. They say you give them some information and you’ll get rates for comparison. The reality is, they take your information and lenders begin to pester you about starting a mortgage. I thought I would get a listing of rates and I could choose who I would move forward with…not that they would start hassling me.
Reply from Own Up2026-02-13
David, We're sorry this didn't go as you'd hoped—thank you for sharing your experience openly. We truly appreciate the feedback and completely understand wanting clear, side-by-side rate quotes upfront with no pressure. We did shop your scenario across our diverse network of lenders. Because you're still in the pre-contract phase (searching for a home), we surfaced just one lender we felt was the strongest fit—selected for their exceptional service and competitive rates/products aligned to your scenario. If you've received outreach from multiple lenders, rest assured it is not affiliated with Own Up in any way. This is very likely from trigger leads—where credit bureaus sell your contact info to other lenders after a credit pull. If you've submitted recent applications elsewhere while shopping, that's typically the cause. It's an unfortunate industry practice, but we're glad the Homebuyers Privacy Protection Act (signed in 2025) will prohibit most abusive trigger leads starting March 2026. Once you're under contract, that's the ideal time to aggressively shop multiple lenders and drive the best terms. We'd be happy to help—just email [email protected] and one of our Home Advisors (mortgage shopping experts) will assist. We've messaged you via Trustpilot to learn more about your experience and would love the opportunity to connect and make this right. Thank you again for your feedback. Feel free to reply here or email [email protected]. We're here. Sincerely, Customer Success at Own Up
Great Experience
So far this has been a great experience. I completed the questionnaire online and just a short time later I received a call from an Own Up representative. He was very friendly, helpful and knowledgeable. I'm just over 24 hours into the process and have been connected to a company that's working to get a preapproval letter generated and the Own Up rep continues to follow-up.
First time home buyer
The company as a whole seems to be locked in. From the moment i contacted them to the preapproval letter being drafted the communication has been phenomonal. Looking foward to next steps
William Boyce is amazing
William Boyce is amazing! Nice to work with him!
Everyone is very helpful
Everyone is very helpful, giving you the tools you need.
super helpful!
being a first time home buyer is incredibly overwhelming, i didn't realize how much it all entailed.. i came across an ad for own up and was helped immediately and have had nothing but the most pleasant experience with everyone i have spoken to! i definitely recommend this to anyone looking at their options!
William Boyce
William Boyce, who assisted me get set up was awesome and super friendly. He made the start of the process super easy and connected me with a very helpful team that is helping provide options and information.
The experience was great
It was a great experience
Absolutely wonderful to work with
Absolutely wonderful to work with. Gave us peace of mind throughout the process. They gave us several recommendations, one of which turned out to be a dud to no fault of theirs. They were quick to put us in touch with another lender who ended up being the one we went with. A stressful as the home buying process is I highly recommend using them. They will save you a lot of headache. Thank you, OwnUp!
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