For Mortgage Professionals
When your client is close but not quite ready, you don't have to say no. Refer them to Stepping Stone, keep the relationship, support their journey, and secure the mortgage when they're ready.
Send us the client you can't place today. We handle the qualification, education, and documentation, and you stay their mortgage pro.
Not sure if your client fits? Send them anyway, we'll tell you honestly.
Why Partner With Us
A and B lenders say no to good people every day. Stepping Stone gives you a way to keep serving them, and keep them in your pipeline.
Turn a declined application into a future approval instead of a lost relationship.
Earn on the referral today, and again when they come back to you mortgage-ready.
A referral-based model designed to fit within FSRA referral guidelines. You refer, you don't arrange financing.
We handle the qualification, education, documentation, and client coaching.
Deliver a solution instead of a rejection, and become the pro who could help when others couldn't.
Your client stays your client. We send them back to you for the mortgage at the end of the term.
This overview is general information, not legal or compliance advice. Confirm your own obligations with your brokerage and regulator.
The Process
You refer. We handle the rest. Your client comes back to you mortgage-ready.
Submit a few details through our referral form, or just call. Not sure if they fit? Send them anyway.
Our team reviews the file, confirms a realistic path to a mortgage, and coordinates next steps with you.
They shop with a licensed realtor within approved parameters. Rent Live Own purchases the home and they move in.
Credit and savings support throughout the 2 to 5 year term, with your client kept on track.
When they're ready, they come back to you to secure financing and buy their home.
For Mortgage Pros
It's designed as a referral-based model, not a brokerage service, so you refer rather than arrange financing. It's built to fit within FSRA referral guidelines, but you should always confirm your own obligations with your brokerage and E&O provider.
No additional licensing is typically required, because you're referring to a third-party service provider. Verify the specifics with your own provider.
Yes. Clients work with a licensed realtor to choose a home within approved parameters, similar to shopping with a pre-approval.
Your client stays your client. If a realtor referred them to you, that's the realtor we'd recommend they work with.
Any referral compensation is disclosed by Rent Live Own directly. And yes, the whole point is that your client comes back to you for their mortgage when they're ready.
Refer your client through our referral form or give us a call. We handle qualification, education, and documentation from there, and keep you in the loop.
✎ Referral form connects here on launch. The site is wired to one config value (broker_form_embed / broker_form_url). Send me the broker referral link (the high-level intake that routes to your CRM / level-2 underwriter) and I'll embed it here and across the broker lane. Suggested fields:
