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Patrick Boyaggi

Announcing Own Up

By Patrick Boyaggi January 28, 2019

RateGravity is becoming Own Up. We’re thrilled to announce our new name and excited to continue..

The 5 Dangers of Mortgage Calculators

By Patrick Boyaggi January 27, 2019

Online mortgage calculators are widely used by first-time homebuyers, but they are one of the..

The 3 Failures of the Pre-Approval Process

By Patrick Boyaggi January 27, 2019
The pre-approval process is a critical component of the homebuying experience. But the current..

7 Reasons Only 1 in 4 Homebuyers Shop for a Mortgage

By Patrick Boyaggi January 27, 2019

Buying a home is likely the biggest financial transaction in one’s life, yet 77% of homebuyers..

What Is The Earnest Money Deposit?

By Patrick Boyaggi January 27, 2019

When a home buyer wants to purchase a home, they will start by making an offer to purchase. As a..

How To Search For A Home

By Patrick Boyaggi January 27, 2019

Buying a home is a complex process and the typical home buying guides are written by anonymous..

What is a Purchase and Sale Agreement?

By Patrick Boyaggi January 27, 2019

The Purchase & Sale Agreement (P&S) is the binding legal document received after mutual..

How To Make The Right Offer On A House

By Patrick Boyaggi January 27, 2019

This article is the second part (read part 1 here) of our conversation with Eileen Kim, a..

How Lenders Consider Additional Properties

By Patrick Boyaggi January 27, 2019

If you own properties in addition to the one you are purchasing or refinancing, there are some..

How Your Savings Impact Your Ability to Get a Home Loan

By Patrick Boyaggi January 27, 2019

Liquid reserves are those financial assets that are available to you after your loan closes...

Your Down Payment Explained

By Patrick Boyaggi January 27, 2019

A down payment is the personal cash contribution that a borrower makes in a purchase..

Providing Perfect Loans for an Imperfect World

By Patrick Boyaggi January 27, 2019

Mortgage lenders look for “perfect loans” and if any imperfections exist, you pay a penalty,..

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