The Program
A clear, supported path from renting to owning, with a realistic timeline and coaching every step of the way.
Simple · Transparent · Supported
Three steps from "the bank said not yet" to owning your home, with coaching and a clear timeline the whole way.
Reach out directly, or through your mortgage professional. We review your situation and map a realistic path to mortgage approval, usually within 2 to 5 years.
You pick a home with a licensed realtor, within your approved parameters. Rent Live Own purchases it, and you move in with as little as 4% down.
You follow a personalized credit and savings plan with coaching along the way. When you're mortgage-ready, you buy the home at your pre-set price.
The Journey
This isn't just a waiting period. It's a guided progression with clear milestones, designed to get you mortgage-ready.
What It Looks Like
A rough idea of the monthly cost of being in your home, so you can picture it. These are examples only, not a quote or approval.
| Home price | Your starting deposit (4%) | Estimated monthly cost |
|---|---|---|
| $300,000 | $12,000 | $2,225 |
| $400,000 | $16,000 | $2,750 |
| $500,000 | $20,000 | $3,325 |
| $600,000 | $24,000 | $3,900 |
| $700,000 | $28,000 | $4,500 |
For illustrative purposes only. Estimates assume a 5% mortgage rate and include property taxes and home insurance. Actual amounts vary by property, taxes, insurance, and region. This is not an offer, quote, or approval.
The Difference
Rent-to-own earned a mixed reputation for a reason. Stepping Stone is the model rebuilt the right way, around your success, not your dependence.
| Typical rent-to-own | The Stepping Stone program | |
|---|---|---|
| Transparency | Terms and fees often unclear or buried | Full disclosure up front, with your own independent legal advice encouraged |
| Credit support | You're on your own to get mortgage-ready | A personalized credit and savings plan with ongoing coaching |
| Purchase price | Sometimes set unrealistically high | Set up front and locked, so you know your target |
| If you need more time | Often penalized or lose your deposit | Reasonable extensions reviewed case by case for clients in good standing |
| Your mortgage pro | Frequently cut out of the picture | Stays your trusted advisor and closes your mortgage at the end |
| The goal | Keep you renting as long as possible | Get you to your own mortgage and full ownership |
Same idea you've heard of, done with transparency, coaching, and a real finish line.
No Pressure · No Obligation
Find out if Stepping Stone is the right path to owning your home. It's free, there's no obligation, and a real person will walk you through it.
Prefer to talk? Call or text 705-482-1759
Tell us a little about your situation. It takes about a minute, there's no cost, and no obligation.
Prefer to talk it through? A real person will walk you through it.
