# Owning

> Owning is the consumer mortgage brand and division of Guaranteed Rate, Inc. offering online purchase and refinance mortgages, home equity financing and access to personal loans. Its positioning combines competitive pricing, digital applications and mortgage specialists, serving borrowers across much of the United States.

- **Founded:** 2018
- **Headquarters:** Chicago, United States
- **Founders:** J. Paul Reddam (Founder (identified by Crunchbase))
- **Products:** Conventional mortgages, FHA loans, VA loans, Jumbo loans, Digital HELOC
- **Notable:** Company-reported 2019 loan volume of $2.3 billion and more than 6,000 families helped., Company-reported 2020 loan volume of $23 billion, more than 54,000 families helped and more than 700 employees., Acquired by Guaranteed Rate on February 5, 2021; the buyer independently described more than $20 billion in 2020 loan volume.

## Products & services

- **Conventional mortgages** — Purchase and refinance home loans, including fixed-rate options.
- **FHA loans** — Government-insured mortgages aimed in part at borrowers with limited savings or credit history; mortgage insurance and underwriting requirements apply.
- **VA loans** — Home financing for eligible service members, veterans and surviving spouses.
- **Jumbo loans** — Mortgages above applicable conforming loan limits for higher-value property purchases.
- **Digital HELOC** — Home equity credit secured by the property. Disclosures describe full initial funding minus an origination fee, with possible subsequent draws at separately set rates.
- **Personal loans** — Access to Rate unsecured personal loans advertised up to $50,000; applications proceed through Rate.
- **One-day approval promotion** — Conditional loan-approval offer for eligible borrowers who promptly submit required documents; excludes self-employment income and does not promise same-day funding.
- **Mortgage calculators and education** — Online tools for payments, affordability, refinancing and rent-versus-buy scenarios, plus mortgage process guides.

## Achievements

- Company-reported 2019 loan volume of $2.3 billion and more than 6,000 families helped.
- Company-reported 2020 loan volume of $23 billion, more than 54,000 families helped and more than 700 employees.
- Acquired by Guaranteed Rate on February 5, 2021; the buyer independently described more than $20 billion in 2020 loan volume.

## Latest updates

- **2026-03** — Online and Mobile Privacy Notice updated March 16, 2026; identifies Owning as an affiliate of Guaranteed Rate, Inc.
- **2026-06** — Terms of Use dated June 2, 2026 identify Guaranteed Rate, Inc. d/b/a Rate as website operator.

## Links

- Website: https://owning.com/
- LinkedIn: https://www.linkedin.com/company/owning
- Instagram: https://www.instagram.com/owningofficial
- TikTok: https://www.tiktok.com/@owning_official

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Profile page: https://yespress.io/owning
Published by YesPress — https://yespress.io
Last updated: 2026-10-24