My Bio

I am a small town guy living in a big city trying to make an impact on the world by following Jesus and loving people. I was born and raised in Camp Verde, AZ and lived there until I moved to the valley to attend college. I graduated from Arizona Christian University in 2010 with a Bachelor’s degree in Business Administration which led me to start working for the University of Phoenix for the next three years in the enrollment and student services departments. While working there, I was also able to complete my MBA. I’ve been living in Gilbert since 2013 and absolutely love it here. I married my beautiful wife in August of 2015 and hanging out with her is by far my most favorite thing to do. I am also a huge AZ sports fan, I love playing fantasy football and basketball, I love watching movies, and I love serving at Mission Community Church – which is where we attend church. I consider myself incredibly blessed to work for an amazing company like Stewardship and to be able to serve and love people through the process of obtaining a mortgage.

Brian Ream Family

Brian and Heather

How I Get Paid

At Stewardship, we have a core value of Transparency. It is not just a word placed on a fancy sign in the office. It is a core belief that we act on every day. Below is an opportunity for you to experience that.

I get paid when a mortgage loan closes. That means advice from me and meetings with me are always free!

On closed loans, Stewardship Mortgage typically has a gross profit of $3750 or 2% of the mortgage loan amount – whichever is less. Yes, you read that correctly. We cap our income at $3750! Most mortgage companies make a lot more than that. In Arizona, gross profit on most mortgage transactions almost always exceeds $5000. Even on “no cost” loans. (Click this link to learn more about the truth of “no cost” loans)

My pay is typically 40% of the gross profit after certain internal costs are paid for.

In summary, I only get paid when I close a loan and the most I ever get paid in a loan is about $1300.

For a more detailed explanation on how mortgage professionals get paid, you can click here.