The Truth About Mortgage Rates and How We Save You Money
What We Do
At HomeOwnership Company, we combine real estate and mortgage brokerage into one service to save you tens of thousands of dollars on your home purchase or sale.
How We Save You Money
Buyer Agent Commission Credit
When you buy a home with us and use our mortgage services (or pay cash), we credit you 1/3 of the buyer’s agent commission toward your closing costs. On a $550,000 home with a 2.5% buyer agent commission, that's $4,583.33 in savings.
Low-Cost Listings
We list your home for just 1% commission while providing premium marketing, including 360° Matterport tours, professional photos, and YouTube walkthroughs. You set the buyer agent commission.
Lower Mortgage Costs
Our mortgage pricing is typically 1% better than other lenders, saving you thousands in fees and interest over time. This can be a lender credit or a lower rate as you can see in the video below
Click the Video to see how a Wholesale loan Pricing Calculator works. You will never see this in the public! Find out how to get the best rate available!
Real Savings Example: $550K Sale & $800K Purchase
For a homeowner selling their current home and buying their dream home*
Savings Category | Amount Saved |
|---|---|
Listing Commission Savings (compared to a 5% listing) | $8,750 |
Buyer Agent Credit (on an $800K purchase) | $10,000 |
Mortgage Savings (1% on a $680K loan) | $6,400 * |
Total Savings | $25,150 * |
* Sale of $550,000 Purchase $800,000 80% LTV Loan $640,000 Interest rate 6.25, 6.338% APR cash to Close $160,0000 20% down only. Credits $12,560 P & I Payment $3,440 PITI $$4,223.92
Our Process
1. Creating Your Homeownership Plan
We work with you to develop a strategy, whether you’re buying, selling, or refinancing. This includes:
- Maximizing the value of your current home
- Improving debt-to-income ratios or credit scores
- Exploring options like keeping your home as a rental or seller financing
2. The Big Picture Approach
We analyze your full financial situation to ensure the best long-term outcome. Sometimes, paying off debt instead of putting more money down is a smarter move. We guide you through these options.
3. Getting You into Your Home—Fast
We average 12 days from submission to closing, with some loans closing in as little as 7 days—one of the fastest timelines in the industry. That means you move into your home sooner with a lower payment and more equity thanks to our savings.
801-403-9774
Why Choose Us?
- Lower Costs – We save you 1% or more on real estate and mortgage transactions.
- Best-in-Class Marketing – Virtual tours, professional photography, and strategic advertising.
- Faster Closings – 12-day average closing time, compared to 30+ days with other lenders.
- Transparent & Fair Pricing – No gimmicks, just real savings that go into your home—not a broker’s pocket.
Real Client Savings
Tom @ The HomeOwnership company has saved me over $45,000 from the 1st home I bought for my family to the 3 homes I have flipped since. He actually found a unrepresented buyer for one of my flipps, showing her the property. He stepped out of the listing, canceling it and doing the buyer mortgage on the homes saving them thousands. Everyone was thrilled. There was no real estate commission saving 5% of $535,000 that's $26,500 on that one sale. No other company would have done this for me.
Geoffrey Ogeden //home flipper