Traditional mortgages
- Conventional (3 / 5 / 10 / 20% down)
- FHA
- VA
- USDA
- Jumbo / ARM
Meet Owen - the world's first AI homebuying coach.
Owen evaluates every financing path you have and ranks them for you - so you buy your home with the best financing, not a mortgage company's commission favorite.
Buying a home is hard enough. It shouldn't depend on which lender you happened to call.
The average American homebuyer gets 1.6 mortgage quotes before signing for the biggest debt of their life. One-point-six. The person they ask is a commissioned salesperson paid $3,000 to $8,000 to close their lender's loan. A competing product, a smaller home, or a six-month delay each costs them a paycheck. Thousands of loan and assistance combinations exist; most buyers never see them.
You deserve independent advice, not a sales pitch.
Owen is that.
The Financing Engine
Uncover financing options no one told you about.
Owen evaluates 1000s of options on your behalf. Tirelessly. Without commission bias. Then he presents the best options to you. You decide, based on real numbers. Discuss with an Ownify Concierge or your lender.
Down payment assistance
- Federal, state, county & municipal Down Payment Assistance
- Private & employer-sponsored Down Payment Assistance
- Forgivable, deferred, soft-second, matched-savings
- Stacked with the optimal loan program
Alternative financing
- Fractional ownership
- Rent-to-own
- Ground lease
- Loan assumption
- Seller financing
- Co-buying
Pre-buyer readiness
- Credit repair pathways
- Savings & DTI roadmaps
- Income & employment runway
- Time-boxed milestones to close
The plan
Three steps. 20 mins. No surprise calls.
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1
Tell Owen about you & your target home
A 3-minute form: income, credit, down payment, timeline, target market. A specific address if you have it.
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2
Let Owen do the work
We'll research all your options and build a personalized Homeownership Plan - emailed in minutes, with every path ranked.
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3
Pick your path
Discuss your plan with an Ownify Concierge or your Realtor. Pick any lender without obligation.
What you walk away with
A Personalized Homeownership Plan
The best options that fit your situation, ranked by total cost, monthly payment, time to close, and risk. Explained in detail.
Exhaustive evaluation
Owen has access to thousands of programs and evaluates them for your unique situation - without a commission incentive to sell you.
Matched Down Payment Assistance + alternative paths
Every program you may qualify for in your area, stacked with the right loan. Plus alternatives where they fit better.
A sample Homeownership Plan
After you submit your information, Owen generates a personalized Homeownership Plan. A licensed Ownify Concierge reviews it and emails it to you. Here's what one looks like: financial snapshot, live rate quotes, and a step-by-step action plan.
Click on an image to see the full sample Homeownership Plan
The Guide
An advisor who's actually on your side.
We watched first-time buyers get a half-answer for years. Owen is what we wish every buyer had walking in.
No commission. No pressure.
Owen is not a commissioned salesperson. There is no incentive to sell you a loan. We charge a simple flat fee regardless of which lender you pick.
Smart. Unbiased. Tireless.
Owen scored 100% on the NMLS and real estate exams in CA, CO, and NC (the avg human scores 56-60%). He has access to dozen's of proprietary data sources. He's trained on thousands of customer profiles. He's the Dos Equis guy of the mortgage world.
Human in the loop.
Since Owen can't get his own mortgage and real estate license yet (he doesn't have fingerprints), every plan he generates is reviewed by a licensed Ownify Concierge. (NMLS 2723220, NCREC C36616).
For Real Estate Agents and Loan Officers
We built Owen for ourselves. Now he can help you.
At Ownify, we buy houses in partnership with our customers. We've trained Owen on 5000+ transactions and gave him access to dozens of proprietary data sources. Now you can bring that level of expertise to your clients - turning more renters into qualified buyers.
Start building your plan
Independent Mortgage Advice. Not a Sales Pitch.
Answer a few quick questions and Owen emails your personalized Homeownership Plan within minutes. Free, no obligation, no credit pull.
Start my Homeownership Plan~3 minutes
Owen is an educational tool operated by Ownify, Inc.
Owen is for educational purposes only and is not a loan commitment, an offer to extend credit, investment advice, or a pre-approval. Loan products, rates, and program eligibility are subject to change and individual underwriting review. Ownify and Owen comply with ECOA and the Fair Housing Act and never consider race, color, religion, national origin, sex, familial status, disability, or any other protected-class information.