Low RatesSave You Money

Do you have a credit score above 640 and no self-employed income? Say goodbye to high rates. All those savings are passed to you, giving you insanely low mortgage rates.

Your rate awaits.

What are we helping with you today?

Buy a home

Refinance

We keep your information private, safe and secure.

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

We keep your information private, safe and secure.

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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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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)

We keep your information private, safe and secure.

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Are you self-employed?

This is focused on your primary income stream, not additional side hustles.

We keep your information private, safe and secure.

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Oh man, it looks like we aren’t a match.

We are laser-focused on loans that have these characteristics:

Average credit score (640 or above)

No self-employment income

For a loan like yours, we recommend Guaranteed Rate. They will be able to help you finish your application.

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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%

We keep your information private, safe and secure.

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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

We keep your information private, safe and secure.

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Do you know where you’d like to buy?

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

We keep your information private, safe and secure.

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Congratulations!

What’s the address of your new home?

We keep your information private, safe and secure.

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

We keep your information private, safe and secure.

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What do we call you?

We need that actual legal name.

We keep your information private, safe and secure.

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Can we get that email?

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

We keep your information private, safe and secure.

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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, you are providing express written consent for Guaranteed Rate, Inc. and its affiliates, agents, and service providers to contact you at that number regarding products or services, including via auto-dialed and/or prerecorded or artificial voice calls and text messages (SMS and MMS), or email even if your telephone number is a cellular number or on a corporate, state, or the National Do Not Call Registry (DNC) or other do not contact list.

You may also reach us at (866) 934-7283. You may opt out at any time by emailing us a Do Not Call Request at [email protected] and providing your phone number. Your consent is not required or a condition of any purchase. Message frequency varies and data rates may apply.

You also consent to our SMS Terms, Privacy Policy, Terms of Use, and CA Terms of Use, which includes your agreement to arbitrate any claims you may have against us. By communicating with us by phone, you consent to calls being recorded and monitored.

We keep your information private, safe and secure.

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Looking good! The red carpet is being rolled out.

Please hold on a moment while we redirect you to our digital mortgage.

There was a problem submitting your info. please contact support if the problem persists.

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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

EASY MORTGAGE SIMPLE PROCESS

A commitment to low rates

Say goodbye to high rates. Enjoy mortgage rates that are typically .5%¹ lower than those offered by other lenders. Our commitment to affordability sets us apart.

Streamlined approvals

Why wait? Experience the convenience of fully-underwritten pre-approvals in just one day.^2,3 No more long, anxious waits – get a head start on securing your dream home.

On-Time Closing Guarantee

Your time matters. We promise an on-time closing or we’ll refund you $1940 in lender fees.⁴ Owning is here to ensure a hassle-free transition into your new home.

Tech-powered efficiency

Our proprietary technology empowers us to provide a seamless and efficient mortgage experience. From application to closing, we’re with you every step of the way.

EXPAND YOUR SEARCH

Get Pre-Approved

A few quick questions and you’ll have a legit, personalized rate in 10 minutes or less.

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 Source: Optimal Blue – Rate Index Research Paper
https://www2.optimalblue.com/rate-index-research-paper/

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.

⁴Owning “Closing Guarantee” will provide $1,940 to borrower post-closing in the event that the transaction does not close on time due to delays for which Owning is responsible. Contract Closing Date must be at least 30 days from receipt of application, signed disclosures, and payment of appraisal fee (as applicable) – requirements in California vary. First-lien purchase, snigle-family home with conventional financing (up to 95% LTV), for primary or second home only. Appraisal requirements apply and must not be subject to any contingency and must be received at least 10 days prior to closing. Owning cannot guarantee that an applicant will be approved or that a closing can occur within a specific timeframe. Timeframe will vary based on all involved parties’ level of participation at any stage of the loan process. Restrictions apply. For Terms & Conditions, visit owning.com/close.

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
Licensing | Arizona License #1031233
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.
DO NOT SELL MY PERSONAL INFORMATION | Mortgage disclosures | Notice to vendors | Privacy Center | SMS Terms | Terms of Use | Texas Consumers: How to file a complaint | Web Accessibility
© 2024 Guaranteed Rate, Inc dba Owning. All Rights Reserved.

Low RatesSave You Money

Your rate awaits.

Let us know where you’re at

Which applies to you?

What’s your credit score?

Are you self-employed?

Oh man, it looks like we aren’t a match.

…and about how much are you thinking of spending?

Tell us a little bit more about your home.

Do you know where you’d like to buy?

Congratulations!

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

What do we call you?

Can we get that email?

Can we get your digits?

Looking good! The red carpet is being rolled out.

LOVING THE RATES AND THE SEAMLESS PROCESS

EASY MORTGAGE SIMPLE PROCESS

EXPAND YOUR SEARCH

Get Pre-Approved

Loan assumptions

__SELECTED_RATE_HOLDER__ Year Assumptions

Monthly Savings

LOVING THE RATES
AND THE SEAMLESS PROCESS