Tools & Wizards About Us
owes.net screenshot

Report Summary

  • 63

    Performance

    Renders faster than
    77% of other websites

  • 72

    Accessibility

    Visual factors better than
    that of 37% of websites

  • 67

    Best Practices

    More advanced features
    available than in
    24% of websites

  • 69

    SEO

    Google-friendlier than
    28% of websites

owes.net

Mortgage Refinance - Mortgage Quotes, Mortgage Rates, Home Equity Loans

Page Load Speed

3 sec in total

First Response

610 ms

Resources Loaded

2 sec

Page Rendered

452 ms

owes.net screenshot

About Website

Welcome to owes.net homepage info - get ready to check Owes best content right away, or after learning these important things about owes.net

Compare mortgage refinance rates and use our mortgage calculator to get mortgage quotes on refinancing, home equity, home improvement and debt consolidation.

Visit owes.net

Key Findings

We analyzed Owes.net page load time and found that the first response time was 610 ms and then it took 2.4 sec to load all DOM resources and completely render a web page. This is quite a good result, as only 45% of websites can load faster.

Performance Metrics

owes.net performance score

63

Measured Metrics

name

value

score

weighting

FCP (First Contentful Paint)

Value3.8 s

28/100

10%

LCP (Largest Contentful Paint)

Value6.8 s

7/100

25%

SI (Speed Index)

Value3.8 s

84/100

10%

TBT (Total Blocking Time)

Value90 ms

99/100

30%

CLS (Cumulative Layout Shift)

Value0.12

84/100

15%

TTI (Time to Interactive)

Value5.2 s

74/100

10%

Network Requests Diagram

owes.net

610 ms

www.mortgagerefinance.com

398 ms

jquery-1.4.2.min.js

264 ms

ui.core.js

133 ms

ui.tabs.js

198 ms

Our browser made a total of 72 requests to load all elements on the main page. We found that 1% of them (1 request) were addressed to the original Owes.net, 96% (69 requests) were made to Mortgagerefinance.com and 3% (2 requests) were made to Google-analytics.com. The less responsive or slowest element that took the longest time to load (610 ms) belongs to the original domain Owes.net.

Page Optimization Overview & Recommendations

Page size can be reduced by 193.6 kB (27%)

Content Size

707.1 kB

After Optimization

513.5 kB

  • HTML
  • Images
  • JavaScript
  • CSS

In fact, the total size of Owes.net main page is 707.1 kB. This result falls beyond the top 1M of websites and identifies a large and not optimized web page that may take ages to load. 35% of websites need less resources to load. Images take 456.9 kB which makes up the majority of the site volume.

HTML Optimization

-83%

Potential reduce by 102.4 kB

  • Original 122.7 kB
  • After minification 103.3 kB
  • After compression 20.4 kB

HTML content can be minified and compressed by a website’s server. The most efficient way is to compress content using GZIP which reduces data amount travelling through the network between server and browser. This page needs HTML code to be minified as it can gain 19.5 kB, which is 16% of the original size. It is highly recommended that content of this web page should be compressed using GZIP, as it can save up to 102.4 kB or 83% of the original size.

Image Optimization

-10%

Potential reduce by 44.4 kB

  • Original 456.9 kB
  • After minification 412.5 kB

Image size optimization can help to speed up a website loading time. The chart above shows the difference between the size before and after optimization. Owes images are well optimized though.

JavaScript Optimization

-35%

Potential reduce by 34.3 kB

  • Original 98.6 kB
  • After minification 94.2 kB
  • After compression 64.3 kB

It’s better to minify JavaScript in order to improve website performance. The diagram shows the current total size of all JavaScript files against the prospective JavaScript size after its minification and compression. It is highly recommended that all JavaScript files should be compressed and minified as it can save up to 34.3 kB or 35% of the original size.

CSS Optimization

-43%

Potential reduce by 12.5 kB

  • Original 28.8 kB
  • After minification 28.6 kB
  • After compression 16.3 kB

CSS files minification is very important to reduce a web page rendering time. The faster CSS files can load, the earlier a page can be rendered. Owes.net needs all CSS files to be minified and compressed as it can save up to 12.5 kB or 43% of the original size.

Requests Breakdown

Number of requests can be reduced by 42 (60%)

Requests Now

70

After Optimization

28

  • Images
  • JavaScript
  • CSS

The browser has sent 70 CSS, Javascripts, AJAX and image requests in order to completely render the main page of Owes. We recommend that multiple CSS and JavaScript files should be merged into one by each type, as it can help reduce assets requests from 18 to 1 for JavaScripts and from 16 to 1 for CSS and as a result speed up the page load time.

Network Requests Diagram

owes.net

owes.net

610 ms

www.mortgagerefinance.com

www.mortgagerefinance.com

398 ms

jquery-1.4.2.min.js

jquery-1.4.2.min.js

264 ms

ui.core.js

ui.core.js

133 ms

ui.tabs.js

ui.tabs.js

198 ms

jquery.selectboxes.min.js

jquery.selectboxes.min.js

133 ms

json2.js

json2.js

198 ms

jquery.cookie.js

jquery.cookie.js

189 ms

jquery.jsoncookie.js

jquery.jsoncookie.js

196 ms

jquery.maskedinput-1.2.2.min.js

jquery.maskedinput-1.2.2.min.js

198 ms

validators.js

validators.js

254 ms

jquery.watermark.min.js

jquery.watermark.min.js

276 ms

mortgageCalculators.js

mortgageCalculators.js

275 ms

jquery.popupWindow.js

jquery.popupWindow.js

276 ms

jquery.simplemodal.js

jquery.simplemodal.js

276 ms

__Reset.css

__Reset.css

317 ms

admin.css

admin.css

324 ms

basic.css

basic.css

325 ms

Calculators.css

Calculators.css

326 ms

CDRates.css

CDRates.css

326 ms

cir.css

cir.css

327 ms

footer%20-%20Short-Step0.css

footer%20-%20Short-Step0.css

380 ms

footer.css

footer.css

388 ms

ie.css

ie.css

389 ms

mortCalc.css

mortCalc.css

391 ms

mortWiz.css

mortWiz.css

444 ms

Style.css

Style.css

453 ms

tab-view.css

tab-view.css

451 ms

ui.tabs.css

ui.tabs.css

458 ms

funcs.js

funcs.js

464 ms

general.js

general.js

465 ms

WebResource.axd

WebResource.axd

459 ms

WebResource.axd

WebResource.axd

467 ms

WebResource.axd

WebResource.axd

469 ms

WebResource.axd

WebResource.axd

494 ms

VisitorsCounter.ashx

VisitorsCounter.ashx

77 ms

logo.png

logo.png

69 ms

ratesTrendTextup.png

ratesTrendTextup.png

121 ms

Choosing-15-or-30-year-Mortgage.jpg

Choosing-15-or-30-year-Mortgage.jpg

315 ms

mortgage-rates-on-way-down.jpg

mortgage-rates-on-way-down.jpg

146 ms

ad720.jpg

ad720.jpg

147 ms

adCertificateOfDepositRate.jpg

adCertificateOfDepositRate.jpg

147 ms

addCompareBestCreditCardOffers.jpg

addCompareBestCreditCardOffers.jpg

156 ms

cir-scale.png

cir-scale.png

196 ms

cir-arrows-red.png

cir-arrows-red.png

197 ms

cir-arrows-green.png

cir-arrows-green.png

212 ms

cir-arrows-blue.png

cir-arrows-blue.png

212 ms

mortcalcImage.png

mortcalcImage.png

216 ms

mortBasImage.png

mortBasImage.png

242 ms

twitter.png

twitter.png

254 ms

facebook.png

facebook.png

265 ms

GPlusIcon.png

GPlusIcon.png

272 ms

rss.png

rss.png

280 ms

linkedin.png

linkedin.png

307 ms

logo-truste.png

logo-truste.png

330 ms

better-business-accredited.png

better-business-accredited.png

331 ms

tl_transp.png

tl_transp.png

336 ms

btn.png

btn.png

254 ms

search1.png

search1.png

279 ms

menu.png

menu.png

285 ms

white-arrow.png

white-arrow.png

303 ms

cmr.png

cmr.png

497 ms

goButt.png

goButt.png

308 ms

boxes_c.png

boxes_c.png

298 ms

boxes_v.png

boxes_v.png

323 ms

boxes_h.png

boxes_h.png

329 ms

grey-arrow.png

grey-arrow.png

348 ms

circleButton.png

circleButton.png

355 ms

cir.png

cir.png

491 ms

analytics.js

analytics.js

35 ms

cir-searchbutton.png

cir-searchbutton.png

311 ms

collect

collect

11 ms

Accessibility Review

owes.net accessibility score

72

Accessibility Issues

Contrast

These are opportunities to improve the legibility of your content.

Impact

Issue

High

Background and foreground colors do not have a sufficient contrast ratio.

Navigation

These are opportunities to improve keyboard navigation in your application.

Impact

Issue

High

[id] attributes on active, focusable elements are not unique

High

Heading elements are not in a sequentially-descending order

Names and labels

These are opportunities to improve the semantics of the controls in your application. This may enhance the experience for users of assistive technology, like a screen reader.

Impact

Issue

High

Form elements do not have associated labels

Best Practices

owes.net best practices score

67

Areas of Improvement

Trust and Safety

Impact

Issue

High

Does not use HTTPS

High

Includes front-end JavaScript libraries with known security vulnerabilities

Low

Ensure CSP is effective against XSS attacks

User Experience

Impact

Issue

High

Serves images with low resolution

General

Impact

Issue

Low

Detected JavaScript libraries

SEO Factors

owes.net SEO score

69

Search Engine Optimization Advices

Crawling and Indexing

To appear in search results, crawlers need access to your app.

Impact

Issue

High

Links are not crawlable

Language and Encoding

  • Language Detected

    EN

  • Language Claimed

    EN

  • Encoding

    UTF-8

Language claimed in HTML meta tag should match the language actually used on the web page. Otherwise Owes.net can be misinterpreted by Google and other search engines. Our service has detected that English is used on the page, and it matches the claimed language. Our system also found out that Owes.net main page’s claimed encoding is utf-8. Use of this encoding format is the best practice as the main page visitors from all over the world won’t have any issues with symbol transcription.

Social Sharing Optimization

owes.net

Open Graph description is not detected on the main page of Owes. Lack of Open Graph description can be counter-productive for their social media presence, as such a description allows converting a website homepage (or other pages) into good-looking, rich and well-structured posts, when it is being shared on Facebook and other social media. For example, adding the following code snippet into HTML <head> tag will help to represent this web page correctly in social networks: