Business Details
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Own It Home Loans is a trusted mortgage brokerage dedicated to guiding customers through the homeownership journey with personalized service and industry expertise. Founded on principles of transparency, education, and customer support, we specialize in simplifying the mortgage process through a streamlined digital platform. Our team of experienced loan officers provides prompt feedback and tailored solutions for first-time buyers, refinancers, and community servants through our Lending to Heroes program.With over 13,000 verified customer reviews and a 4.85/5 rating, we prioritize clear communication, timely execution, and empowering clients to make informed financial decisions. As the fastest-growing mortgage company in the U.S., we maintain state-specific licenses across 47 states while emphasizing ethical practices and customer satisfaction in every transaction.
Services
Home Purchase Loans
Refinancing Options
BuyNOW Pre-Approval
Lending to Heroes Program
Online Mortgage Application
Highlights and features
- We offer 24/7 customer support throughout the mortgage process
- Our transparent digital platform streamlines loan approvals
- Specialized programs for teachers, veterans, and first responders
- Over 13,000 verified 5-star customer reviews
- Licensed in 47 U.S. states with local market expertise
What people say
Tirelessly helped us
Issue free process
Professional case handling
Prompt communication
Stress free process
Services
Home Purchase Loans
Our home purchase loans cater to first-time buyers and experienced homeowners with competitive rates and flexible terms. We offer conventional, FHA, and VA loan options tailored to individual financial situations. Our specialists guide clients through property selection, pre-approval, and closing processes while maintaining clear communication throughout the transaction.
Refinancing Options
Refinancing services help homeowners reduce monthly payments, access equity, or adjust loan terms through rate-and-term or cash-out refinancing. Our team analyzes current mortgage conditions to identify optimal refinancing opportunities while explaining potential long-term financial impacts. Digital tools enable quick rate comparisons and break-even analysis.
BuyNOW Pre-Approval
The BuyNOW platform provides underwritten pre-approvals within 24 hours using automated verification technology. This competitive advantage strengthens purchase offers by demonstrating financial readiness to sellers. The process requires minimal documentation and integrates directly with real estate agent systems for seamless transactions.
Lending to Heroes Program
Exclusive mortgage solutions for law enforcement, veterans, teachers, and healthcare professionals featuring waived fees and specialized underwriting. The program offers zero down payment options for qualified applicants while maintaining competitive interest rates. Dedicated loan officers understand unique income structures and service requirements for these professions.
Online Mortgage Application
Our user-friendly platform enables complete mortgage applications from any device with real-time status tracking and document upload capabilities. The system automatically populates forms using secure financial data connections while allowing 24/7 access to loan specialists for clarification or guidance during the digital process.
People
Richard Steinberg
Founder & Chairman
Richard Steinberg established Own It Home Loans with a vision to transform mortgage services through transparency and technology. With decades of financial industry experience, he leads strategic initiatives while maintaining focus on customer-centric innovation and operational excellence across the growing organization.
Questions
What mortgage services does OwnIt Home Loans offer?
We provide home purchase loans, refinancing options, and specialized programs for community servants through our Lending to Heroes initiative.
Is the online mortgage application secure?
Yes, our platform uses bank-level encryption and meets all federal security standards for financial transactions.
How does the BuyNOW pre-approval work?
Our digital pre-approval tool verifies your financial standing to strengthen purchase offers, typically completed within 24 hours.
What states do you operate in?
We are licensed in 47 U.S. states with specific program availability varying by location.
Are there any hidden fees?
No, we maintain full transparency with no application, processing, or underwriting fees for qualified borrowers.
How long does the mortgage process take?
Our average closing time is 30-45 days, accelerated by digital document processing and experienced loan specialists.
