How It Works · Stonefield Group

1 Phase 01

Phase One

Apply & Get Qualified

Readiness & Approval

This is where your journey begins. We learn your story, review your numbers, and determine whether rent-to-own is the right fit — and exactly what it will take to get there.

Initial conversation to understand your goals+
No prep required. No documents needed for the first call. We talk about where you are, what happened, and what you're hoping for. You ask us anything.
Submit application & supporting documents+
Once we're aligned, we walk you through the application process step by step — so you know exactly what's needed and why.
Credit and income review+
We review your full financial picture — credit history, income, debts, and savings — with honesty and without judgment. You'll know exactly where you stand.
Determine affordability and approval range+
We help you understand what price range is realistic for your situation — so you're searching for homes that actually work for you, not just dreaming.
Financial advisor introduction+
Most programs introduce financial advisors at the end. We introduce them at the beginning — so you're building wealth-minded habits from day one.
Guidance on what to improve before moving forward+
If you're not quite ready, we tell you exactly what to work on — and stay alongside you until you are. No runaround. No guessing.

Outcome You know if you're approved — and if not, exactly what to do next to become ready.

Phase Two

You're In. Now What?

Home Stewardship & Support

You have the keys. Now Stonefield stays alongside you — making sure you're settling in, maintaining your home, and building the confidence and habits that protect everything you're working toward.

Home stewardship formation+
Living in a home you're working toward owning is different from renting. We prepare you for the responsibility — and the opportunity — of caring for it well.
Maintenance education — filters, repairs, upkeep+
From changing filters to knowing who to call when something breaks — we make sure you understand what it takes to maintain your home properly.
Budgeting for payments, insurance & upkeep+
Monthly payments, utilities, insurance, maintenance reserves — we help you build a budget that keeps you on track and protects your progress.
3 & 6 month check-ins post move-in+
We reconnect at 3 months and 6 months — not to sell you something, but to make sure you're settling in well. Are payments on track? Anything need attention? You're not alone.
Ongoing support — questions come up, we're here+
Things happen. Questions arise. Budgets shift. Stonefield stays accessible so you never feel like you're figuring it out alone.
Credit progress tracking toward mortgage readiness+
While you're in your home, we keep an eye on your credit progress — making sure you're on track to qualify for your mortgage when the time comes.

Outcome You're settled, confident, and on track — caring for your home and building toward ownership.

2 Phase 02

3 Phase 03

Phase Three

Building Toward Ownership

From Rent-to-Own to Yours

The goal was always ownership. Phase 3 is where we prepare you to exercise your option to buy — getting your finances, credit, and documentation ready so you can make the transition from tenant-buyer to homeowner.

Down payment readiness review+
We review where you stand on your down payment — making sure you have what you need to close and transition to full ownership.
Mortgage qualification preparation+
We help you prepare everything a lender needs — income documentation, credit history, debt-to-income — so you walk in ready, not scrambling.
Credit score targets & final review+
We review your credit with fresh eyes — confirming you've hit your targets and addressing anything that needs attention before you apply for your mortgage.
Lender coordination+
Stonefield coordinates with lenders who understand your journey — so you're not starting from scratch with someone who doesn't know your story.
Transition support — rent-to-own to your mortgage+
We walk alongside you through the closing process — making sure the transition from rent-to-own to full ownership goes smoothly, with no surprises.
You become the homeowner+
This is the moment everything was working toward. You qualify for your mortgage, purchase the home, and officially become a homeowner. Stonefield celebrates with you.

Outcome You qualify for your mortgage, purchase the home, and officially become a homeowner.

Not sure where you stand?

Every journey starts
somewhere.

Whether you're just beginning to think about homeownership, actively working toward it, or dreaming about what it means for your family's future — there's a place for you in this conversation. You don't need to have it all figured out before reaching out. That's what the first conversation is for.

Just starting out

You're ready to start learning what it will take.

You may have questions more than answers right now. That's the perfect place to begin. We'll tell you honestly what the path ahead looks like.

Actively working toward it

You're in motion—and you need the right support to get across the finish line.

Maybe you've been denied before. Maybe you're not sure what's holding you back. Stonefield's process is designed exactly for this moment.

Thinking beyond the keys

You want more than a home. You want something that outlasts you.

From the very beginning of the journey, Stonefield helps you think about what homeownership means for the next generation — not just for today.

Most programs stop
at closing.

Apply & Get Qualified

You're In. Now What?

Building Toward Ownership

Every journey starts
somewhere.

Not sure where you land?

Most programs stopat closing.

Apply & Get Qualified

You're In. Now What?

Building Toward Ownership

Every journey startssomewhere.

Not sure where you land?

Most programs stop
at closing.

Every journey starts
somewhere.