From your first signal of interest to the day you hold the title to a home that's legally yours.
The program in a paragraph
Upstream's rent to own program lets you move into a home now and buy it later. You pick the home, we buy it and lock in the price, and you move in. Each month you pay rent plus an amount set aside toward buying it, while our team gets you ready to qualify for a mortgage. When you're ready, you get your own mortgage and buy the home at the price we locked in on day one.
Three elements that make it work
A locked price
Your purchase price is set on day one and held for the whole term.
Savings that build
Each month you contribute an option credit to build your downpayment.
Guidance throughout
Monthly financial guidance keeps your credit and savings on track to qualify.
01
At This Stage
Share your basic info & goals
No credit pull, no payment
Walk away any time
02
We review your file, we talk, and map out your program.
At This Stage
Internal file review
No-pressure discovery call
Formal application invitation if fit
03
Program begins. Choose your home!
At This Stage
Program onboarding begins
Begin your home search
We buy the home you choose
04
Move in. Follow your plan.
At This Stage
Pay Rent
Pay Monthly Option Consideration
Participate in regular financial guidance
05
You qualify. You buy the home.
At This Stage
You secure a mortgage
You purchase the property from Upstream
You are now a homeowner!
Maintinaing Momentum
Upstream's program is built around a model of support, to keep families on track and motivated to reach their goals.
At This Stage
Monthly educational content
Credit score tracking
Quarterly progress reviews
Rent. Save. Build equity simultaneously.
At This Stage
Rent + savings credit each month
Locked purchase price held
Quarterly statements issued
Mortgage readiness check.
At This Stage
Credit score target: 680+
Down payment savings confirmed
Start Your Journey
Ready to see if Upstream is right for your family?
