Every part of Upstream – the locked-in purchase price, the savings credits, the coaching program – is designed around one outcome: you qualifying for a mortgage and owning your home.
Looking for the step-by-step program overview?
Why It Works
Three elements working in your favour
The Coaching
The Current, your coaching alongside the program
The Current is a financial coaching program embedded throughout your time with Upstream, structured around getting you mortgage ready by the time your term ends.
Phase 1 — Foundations
Core curriculum
Months 1 - 6
Net worth & credit basics
Assets vs. liabilities
Budgeting
Debt Management
Saving with intention
Mortgage qualification prep
Phase 2 — Reinforcement
Ongoing reinforcement
Months 7 - End of term
Monthly touchpoints and skill builders, plus quarterly budget reviews, all the way to graduation.
Your Money
What happens to the funds you put in
We've built the program to protect what you've built up. In nearly every scenario, your savings carry forward to your down payment. The only exception is if you choose to walk away from purchasing your home.
You Complete The Term
Every dollar of credits applies to your down payment.
Your initial savings contribution goes directly to the down payment at exit. The full amount you put in comes back as ownership equity.
You Need More Time
Term extensions are negotiated case-by-case.
If you need more time at the end of your term to qualify, we work with you. Credits don't reset, the locked price holds and your advisor builds a plan to bridge the gap.
You decline to purchase
This is the only case where credits are forfeited.
If you need to exit the program after moving into the home, the property will be marketed for sale or refinanced using commercially reasonable efforts. After deductions for the outstanding mortgage, legal and realtor fees, mortgage penalties, administrative costs, and any repair-related costs, any surplus net proceeds may include a partial refund of your Initial Option Consideration. The exact terms are documented in your agreement and reviewed with your independent lawyer before signing.
Start Your Journey
Ready to see if Upstream is right for your family?
