Stewardship

Stewardship Call us at 602.384.2604 for Real Estate, Home Loans, Investments, and Insurance with wisdom & love. Content is for informational purposes only.
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It's not intended as legal, financial, or tax advice. Please consult with a legal, financial or tax advisor. The average American graduates from high school or college knowing next to nothing about personal finances. Most are lucky if they even know how to balance a check book. As a result, the typical person is clueless or intimidated by mortgages, insurance, financial planning, investing, and bu

dgeting. This is a sad reality. As life progresses, we find ourselves looking to buy a house, weighing different insurance policies, and trying to keep our finances in order. Those things are tough to do correctly when we do not have the proper information. Unfortunately, everybody has seen the consequences of, or experienced themselves, poor financial decision without proper education and guidance: A mortgage payment that is too high; excessive fees; high interest; paying too much for insurance; too little coverage; the wrong kind of coverage; terrible customer service; making big financial decisions under pressure from “salesmen”; Living paycheck to paycheck without a plan; poor investment advice; and these are just a few. These are all financial injustices, and they can easily flood into the rest of our life carrying relationships and marriages downstream with them. When I read about and witnessed these financial injustices, I felt sick. Even now, as I write this and think about these things, my stomach churns. It makes me angry, and I want to stop it wherever I can. It is that passion which is the driving force behind Stewardship. We created Stewardship to take a stand against financial injustice—to be a group of companies that can educate and guide people through mortgages, insurance, financial planning, and investments. The mortgage, insurance, or financial plan your neighbor has may not be what is best for you. Getting to know you, understanding your needs, and empowering you with relevant information is what I want to do. Our business isn’t to solely perform transactions. Stewardship aims to build genuine relationships with people, and provide insurance, mortgages, financial planning, and investment management for them with openness, education, and real answers.
-Grant Botma
Founder of Stewardship

MB # 0909516
NMLS # 154011

08/31/2026

It is perfectly acceptable to save for a child's future without using a tax sheltered account.

08/25/2026

Check out the Libra plan here in the beautiful gated community of Rialta!
- 4 bedrooms, 3 baths
- 2-car garage
- Kitchen with light countertops and cabinets
- High performance smart home
- Great proximity to mountains and water
- And much more

This home is priced at $539,990.

📍 8924 E Covina Street, Mesa

- Stewardship Team
(602) 384-2604

08/24/2026

How are real estate agents paid?

08/17/2026

Why do some banks or lenders have different rates?

Here are 5 myths I have found people tend to believe about utilizing a VA loan to buy a home that simply are not true:◾ ...
08/14/2026

Here are 5 myths I have found people tend to believe about utilizing a VA loan to buy a home that simply are not true:

◾ Myth #1 ― You Need Perfect Credit To Be Approved
False. While the VA encourages approved lenders to provide VA loans to all qualified applicants, it does not describe a minimum credit score. Each lender has its own credit requirements, which they use to verify that borrowers meet the ability to repay the loan. Lenders are expected to use good judgment and flexibility when applying the VA’s underwriting recommendations for credit, debt, and income. Typically a score in the 620s or better is needed to apply for a VA loan.

◾️ Myth #2 ― Only Combat Veterans Are Eligible
False. Many people are able to utilize a VA loan beyond just combat veterans.
You may be eligible if you are a(n):
- Military Veteran
- Active Duty Service Member
- Reservist or National Guard Member
- Surviving Spouse
- Academy Cadet or Midshipman
- National Oceanic & Atmospheric Administration (NOAA) Officer
- Public Health Service (PHS) Officer
To obtain your Certificate of Eligibility (COE), use an online COE tool.

◾ Myth #3 ― You Can Only Use The VA Home Loan Benefit Once
False. If you earn a VA home loan benefit, it is yours for life and, in some cases, can be used multiple times at once. Many Veterans use it again and again for their home financing needs. You can use it to buy that starter home, and then use it again to upgrade to a larger home for your growing family. And you can use it again to refinance your property for a lower interest rate or get cash out of your home’s equity. Depending on the value of each property you buy, you may or may not need to restore entitlement to reuse your benefit. As long as you have enough entitlement to back your loan, a VA loan can be a great mortgage choice for all stages of life.

◾ Myth #4 ― You’re Limited As Far As What You Can Do With Your VA Home Loan Benefits
False. Many people believe that VA loans are only for purchasing single-family houses. But just look at all the different ways to use your VA home loan benefits:
- Buy a single-family house
- Buy a condominium unit in a VA-approved complex
- Buy a multi-family property (up to 4 units per VA-eligible borrower)
- Build a home
- Buy and improve a property
- Make energy efficient improvements
- Buy a manufactured home and/or lot (certain lenders)
- Streamline refinance your VA loan for a lower rate or payment
- Cash-out or regular refinance your VA or non-VA mortgage

◾ Myth #5 ― VA Loans Have Unexpected Out-of-Pocket Costs
False. In fact, VA loans are known for their benefits, including no private mortgage insurance (PMI) and, in most cases, zero down payments. Think it’s too good to be true? The VA itself says that about 90% of all VA purchases have been made with no down payment since the program’s inception.

As far as other out-of-pocket costs go, you should receive a Good Faith Estimate from your lender. And there should be no surprise fees at closing time. You can expect to pay a VA funding fee (unless exempt), an appraisal fee, an origination fee, title fees and some other costs approved by the VA. You can pay these fees upfront or possibly roll some of them into your loan if there is enough room between the purchase price and the appraisal. Another option may be for you to negotiate seller-paid fees in your purchase contract. With VA financing, a seller can agree to pay all closing costs and up to 4% concessions.

A VA loan can be a great option for many borrowers who qualify! If you would like to learn more about your qualifications for a VA loan (or any other type of loan structure), give me a call!

- Stewardship Team
(602) 384-2604

08/13/2026

Under Contract! 5502 E Duncan Street, Mesa 🙂
- 2 bedrooms | 2 bathrooms
- Spacious primary suite w/ two closets
- Brick patio & fully fenced yard
- Three sheds for hobbies, tools & storage
- Oversized one-car garage w/ workshop
- And much more!

- Stewardship Team
(602) 384-2604

08/10/2026

A great floorplan for people who love to host? The open concept or indoor/outdoor symetry.

08/03/2026

Welcome to your dream home! This beautifully renovated residence offers exceptional comfort, space, and functionality.
- 4 bedrooms | 2 bathrooms
- Attached 2-car garage
- Open floor plan w/ wood-burning fireplace
- Stainless steel appliances & quartz countertops
- Covered patio & refreshing pool
- And much more!

This home is priced at $649,900.

📍 490 E San Remo Avenue, Gilbert

- Stewardship Team
(602) 384-2604

*Listing courtesy of James Mandavia with eXp Realty

08/03/2026

The best hedge against inflation is quite possibly a mortgage. Here is why...

The average American moves 4-6 times between the ages of 18 and 45. Personally, I've moved 20+ times, and Nate has moved...
07/28/2026

The average American moves 4-6 times between the ages of 18 and 45. Personally, I've moved 20+ times, and Nate has moved 15 times, and we have a few more years to go before 45! 😉

If you're planning a move to Arizona, where are you moving from? We'd love to welcome you and help answer any questions you have!

How many times have you moved?

- Stewardship Team

Address

1094 S Gilbert Road Ste 210
Gilbert, AZ
85296

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 6pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+16023842604

Website

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