Stewardship's One Move Logo

The Most Seamless Way to
Sell Your Current Home and Buy Your Next Home

Timing on your terms • Make upgrades before moving in • Only move once

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BUY WITHOUT
A CONTINGENCY
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BUY WITHOUT A CONTINGENCY
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EARLY ACCESS TO
YOUR EQUITY
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EARLY ACCESS TO YOUR EQUITY
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SELL AFTER YOU
MOVE OUT
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SELL AFTER YOU MOVE OUT

Stewardship One Move is less stressful,
and less than half the cost of doing this the old way.

And, in this market, selling your current home and buying your next home without Stewardship One Move could cost you in more ways than one…

  • Losing out on your next home because you are contingent upon selling first.
  • The potential cost to store all your stuff at a storage facility.

  • The hassle of moving twice and potentially paying movers twice.

  • Attempting to wrangle cash for a down payment from a 401(k) loan.

  • Living with in-laws or potentially paying rent at a transitional place to live.

  • The headache of showing your current home to sellers while living in it.

You do not have to jump through all those hoops, pay the extra money, and add stress to your life. Buy your next home with Stewardship and get the most convenient home buying experience possible. Continue living comfortably in your current home as you choose the timing and transition into your next home.

Schedule an appointment with one of our Advisors to learn more!
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How It Works

Stewardship One Move is not like 72 sold, Open Door, or any other program you have heard of. It is the only program of its kind.

Fair Market Value | No Hidden Fees | Use Your Realtor

The One Move Process Makes Sense

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1

Qualify

This is where we qualify you for a loan on your new home and qualify your current home for the program.

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2

Shop

Use your attractive noncontingent pre-approval from the previous step, and find your next home with your Realtor.

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3

Buy

After you have signed a contract on your next home, we put together the financing and make the purchase final.

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4

Move

Now that you have closed on your new home you can choose when to move in. Even if you want to do a few upgrades first!

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5

Sell

As you settle into your new home, your Realtor will sell your previous home to close everything out.

Do you have more questions on how the One Move program could work for you? Schedule an appointment with one of our Advisors! We are happy to chat and help answer any questions you have.
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“Why do I need this program?”

Most people are unable to qualify for a new mortgage while their current home still has an open mortgage. Qualifying for a new loan on the next home with your current home’s mortgage on the loan application is tough! So, this requires people to have the loan attached to their current home completely paid off, through the current home’s sale, before a lender will issue a new mortgage for the next home.

But Stewardship One Move is different. Because of our lending track record and specialized contracts, we are able to ignore the mortgage payments on your current home to help you easily qualify for a new mortgage on your next home.

In addition, most people need money from the sale of their current home for the down payment on the next home. Very few people have the cash lying around to make the ideal down payment on the next home happen. This requires folks to sell their current home first so they can get the needed funds from the sales proceeds.

But Stewardship One Move is different. Because of our banking relationships and business capital, we are able to get you early access to your current home’s equity before you sell it. And you can use those funds for more than just a down payment. You can pay for upgrades to your next home before moving in, save for the future, pay off debt, and more!

What’s in it for Stewardship? More Opportunities!

Stewardship does not charge you anything extra when compared to selling your home the traditional way, so I understand any skepticism you may have. Although we earn referral income from your Realtor, and you pay some interest on the equity advance bridge loan attached to your current home, we do not charge extra fees or additional costs to make this program happen. To those who don’t know us, it seems too good to be true.

First and foremost, this program helps us better meet our mission of loving people through finances. Stewardship’s One Move allows us to have an even bigger impact on our community!

Practically speaking, this program allows us the opportunity to earn more business for our other services. Stewardship is a group of many companies that serves people through home loans, insurance, and investments. Stewardship’s One Move helps creates more income for Stewardship Mortgage, Stewardship Insurance, Stewardship Planning, and Stewardship Financial.

Bottom line: This program provides us with more opportunities to grow our income and our impact.

We will meet with you on your terms. In our comfortable office, over the phone, or in a video web meeting. The meeting and the advice are always free.

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What this is, and what this isn’t

This is NOT a real estate company set out to replace Realtors.
This IS a program designed to empower people to sell their current home and upgrade to another one with the help of a local trusted Realtor.

This is NOT like 72 Sold, Offer Pad, Open Door, or other iBuyer/Tech platforms.
This IS a one of kind program designed by Stewardship and exclusive to Stewardship. Your Realtor will sell your home for the best price possible on the open market, and this program does not have any additional hidden fees. You pocket more money!

This is NOT a “too good to be true” situation with a “catch”.
This IS an intelligently designed program that took years of experience, relationships, and capital. Although there is a lot involved for Stewardship to make this happen, and a fairly standard financial commitment required from your Realtor, the only difference in cost to you is interest payments on the equity advance bridge loan. And even with that cost, this program is still less than half the total cost of an average real estate transition like this.

Compare The Experience

Traditional

Tech Company

STEWARDSHIP

Sell your current home for top dollar

Traditional

Tech Company

STEWARDSHIP

Avoid added fees when selling

Traditional

Tech Company

STEWARDSHIP

Conveniently sell home after you move out

Traditional

Tech Company

STEWARDSHIP

Avoid temporary living expenses

Traditional

Tech Company

STEWARDSHIP

Avoid temporary storage expenses

Traditional

Tech Company

STEWARDSHIP

Avoid double the moving expenses

Traditional

Tech Company

STEWARDSHIP

Only move once with a date you control

Traditional

Tech Company

STEWARDSHIP

Get your offer accepted on the new home easier

Traditional

Tech Company

STEWARDSHIP

Early access to current home’s equity for down payment, minor upgrades, and more

Traditional

Tech Company

STEWARDSHIP

“I watched two close friends buy a home and use other companies for their mortgages. They expressed frustration with delays and surprise fees, none of which I experienced with Stewardship. I am very grateful to the team for their stellar customer service and above all, integrity. No doubts, I’ll be a lifelong customer.”

– Christi Wheeler

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Compare The Finances

Here is an example of an estimated financial comparison.

The below estimate uses a current home value of $500,000, current home mortgage balance of $350,000, and next home purchase price of $750,000

*NOTE – these are estimated examples of possible costs

TRADITIONAL TECH COMPANY STEWARDSHIP
Less money in the sales price of current home $0 $25,000 $0
Added costs to selling your current home $0 $25,000 $0
Costs associated with moving twice $2,143 $0 $0
Costs associated with a storage unit $1,164 $0 $0
Costs associated with renting a temporary place to live $7,785 $7,785 $0
Interest on equity advance loan on current home $0 $0 $5,454

TOTAL ADDED COSTS

$11,092

$57,785

$5,454

Are you interested in seeing the difference in dollars for your situation?

If you are interested in the details of how we arrived at these estimates, you can see the entire calculations here.

All of the above calculations are estimates based on:

  • Numbers obtained from the review of the sales contract from companies that represent the “Trendy” or “Tech Company” option
  • Research on the average cost to move within the same east valley city in Arizona
  • Research on the average cost of a storage unit in east valley cities in Arizona for 4 months
  • The median rental rate for 4 bedroom homes in east valley cities in Arizona ($2595) for 3 months
  • And the current interest rate on the new second mortgage that would be done on your current home for the equity advance (8.125% APR at 85% CLTV for credit scores of 740 or higher) for interest-only payments for an estimated 6 months.
  • This estimated cost comparison does not include the costs associated with changing your address and personal information on your bills, banking, and license OR the costs associated with marriage and family counseling as a result of the major disruption added to your life for choosing the Traditional or Tech Company option. Ha! Just kidding about the counseling part. But I think you get the point…

As you can see there are a lot of estimates in these calculations. Many of the factors used above may be different for your situation. But one truth remains – In almost all scenarios it costs you more to go the Traditional or Tech Company route when compared to Stewardship. 

“This is truly a different kind of mortgage company! I trust them because they have our best interest at heart. The honesty and integrity is very refreshing!”

– Melody Neal

The Details

If you have made it this far down the page, you are likely wondering how we make this happen. Although the process is simple for you, it has taken many years, strategic relationships with banks, and a lot of business capital to make this program come to life.

Here is what makes it work for you: the equity you have in your current home.

We activate the power of your current home’s equity with a second mortgage on your current home. This is done through a special banking relationship that we have. Most banks do not allow you to obtain a new loan on a property if they know you are going to sell the property or pay the loan off within a few months. But, not for us! The funds from this second mortgage can be used for the down payment on the next home, minor upgrades on your next home (paint and flooring), moving expenses, and more. You can even use the money from the loan for payments on the new second mortgage so there is no disruption to your normal monthly cash flow.

But that is just one piece of the puzzle.

Most lenders do not let you use borrowed funds from one house as a down payment on another house. In addition, most lenders are unable to get you qualified for the best mortgage while you still have an open mortgage on your current house. With our track record, business capital, and a customized contract with you – we are able to get you a conventional mortgage (the best rates and fees possible) for your next home without the need to sell your current home. Our lender is totally fine with an advance of equity on your current home for the down payment, and they ignore the payment on your current home during the mortgage underwriting process on your next home.

Simply put – we are able to front you money from the equity of your current home, and get you qualified for the loan on your next home without the need to sell your current home first.

Meet with one of our Advisors to discover what One Move may look like for you.
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How Can You Use the Equity Advance?

Here is an example of how someone may choose to use their funds from the equity advance loan we provide on their current home. You read that right, the word choose is in there for a reason. You get to choose how to use these funds because they are your funds. Down payment on the new home, upgrades to the new home, making your offer more attractive on the new home, selling transaction costs, buying closing costs, moving expenses, paying off debt, adding more to your savings, investing for the future, and making payments on the loans to help with your monthly cash flow –  these are just a few examples of how you could use the funds.

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Your Home Loan Advisors

Jarred Kuiper
Jarred KuiperHome Loan Advisor

NMLS#1193786
602-777-3443
jarred@stewardship.pro

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Matt Curtis
Matt CurtisHome Loan Advisor

NMLS#2291712
602-649-1408
matt@stewardship.pro

Schedule Time With Matt