Own Up Reviews 391

TrustScore 5 out of 5

4.8

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Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their exceptional helpfulness, extensive knowledge, and professional yet personable approach, making interactions pleasant and informative. The customer service is frequently highlighted as excellent, with many people appreciating the personalized attention and clear communication. Consumers found the overall service to be efficient and easy, noting the quick response times and smooth user experience. However, some customers also noted that they received unwanted sales calls after providing their information, and a few felt that the company did not provide sufficient specific information, such as numbers, leading to disappointment.

What people talk about most

Staff

Consumers consistently express high satisfaction with the staff. Reviewers frequently describe agents as... See more

Customer service

Customers had positive experiences with customer service. Reviewers consistently praise the helpfulness and... See more

Service

Customers consistently note positive experiences with service. Reviewers highlight the professionalism,... See more

Customer communications

Reviewers highlight positive aspects of contact. Many customers appreciate the quick and efficient contact... See more

User experience

Users describe positive interactions with user experience. Many customers found the process easy, quick, and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Olivia was very helpful with all my questions. She is very knowledgeable and appreciated her help in getting me the information I needed. I felt like she was was honest with her answers and was genuin... See more

Rated 5 out of 5 stars

One stop shopping! I worked with Liv on my closing and it couldn’t have been easier. Who has time to riffle through and meet with multiple lenders. But for such a major purchase I wanted to make sure... See more

Rated 5 out of 5 stars

I filled out a few questions on their website and was in contact with William Boyce in minutes. With a phone call that was less than 20 minutes, he introduced me to a lender who was able to offer me a... See more

Rated 5 out of 5 stars

It was a very informative experience, and the fact that they don’t require an SSN is a huge plus. If you’re in the market for a home, I’d recommend checking out OwnUp before making a purchase. They... See more


Company details

  1. Mortgage Broker
  2. Alternative Financial Service
  3. Financial Consultant
  4. Mortgage Lender
  5. Non-Bank Financial Service

Written by the company

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.


Contact info

4.8

Excellent

TrustScore 5 out of 5

391 reviews

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1-star

Replied to 100% of negative reviews

Typically replies within 1 week

How this company uses Trustpilot

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Rated 1 out of 5 stars

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.

5 March 2026
Unprompted review
Own Up logo

Reply from Own Up

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 csteam@ownup.com anytime.

Sincerely,
Customer Success at Own Up

Rated 5 out of 5 stars

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!!!!

4 March 2026
Rated 5 out of 5 stars

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.

23 February 2026
Rated 5 out of 5 stars

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!

20 February 2026
Rated 5 out of 5 stars

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!

16 February 2026
Rated 1 out of 5 stars

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.

5 February 2026
Unprompted review
Own Up logo

Reply from Own Up

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 homeadvisors@ownup.com 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 csteam@ownup.com. We're here.

Sincerely,
Customer Success at Own Up

Rated 5 out of 5 stars

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.

29 January 2026
Rated 5 out of 5 stars

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

28 January 2026
Unprompted review
Rated 5 out of 5 stars

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!

27 January 2026
Rated 5 out of 5 stars

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.

21 January 2026
Rated 5 out of 5 stars

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!

20 January 2026
Rated 5 out of 5 stars

Crystal is amazing

I called Own up and really wasn't expecting a lot of information like I received. I learned that I had a lot more options than I realized and was connected with a 5 star company to get on my way to home ownership. Crystal Bloomfield listened to me and made me feel heard. It was a great experience.

18 January 2026
Rated 5 out of 5 stars

I was hesitant about using a platform…I was wrong

I was hesitant about using a platform like OwnUp at first—I worried I’d be bombarded with calls or pressured into anything. That could not have been further from the truth. William Boyce called literally five seconds after I signed up, and we had such a great conversation. He was honest, kind, and genuinely complimentary in a way that never felt fake.

William connected me with a mortgage broker and real estate agent, and he was never pushy—he just made sure I had the right people to talk to. When I spoke with the mortgage broker, I immediately saw that William’s recommendation was spot-on; they were just as fantastic.

What really stood out was how easy William was to talk to—it honestly felt like chatting with a friend. This experience completely blew my mind and made me realize that OwnUp is a company that truly values honesty and has amazing connections. I would highly recommend using this platform.

16 January 2026
Unprompted review
Rated 5 out of 5 stars

Own Up Knows What They're Doing

I filled out a few questions on their website and was in contact with William Boyce in minutes. With a phone call that was less than 20 minutes, he introduced me to a lender who was able to offer me a mortgage proposal that was perfect for my needs! In a single hour, I went from nothing to being well on my way to owning my own home. I highly recommend using Own Up.

15 January 2026

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