Meet the Partner: OneSource Solutions
OneSource Solutions is a utility concierge service that simplifies one of life's most stressful moments: setting up electricity, gas, internet, water, phone, home security, and other essential services after moving. OneSource handles the legwork by identifying providers, comparing options, and coordinating setup so homeowners can enjoy the excitement of their new home instead of stressing over the logistics. With over 1.1 million connections successfully completed, OneSource has built a reputation for taking chaos and turning it into peace of mind.
The moving day problem nobody's solving for
For some lenders, closing day is the end of the journey. But for their customers, it’s the start of a new chapter. There's joy in owning the keys. But there's also stress.
According to research, nearly 80% of Americans rank moving as one of life's top stressors. As if scheduling showings, putting in offers, and finally signing the paperwork wasn’t stressful enough—now borrowers have to figure out utilities, internet options, security systems, and more. And if they’re moving to an unfamiliar area where they don't know the companies and providers, they'll be making dozens of decisions with incomplete information, juggling phone calls and online portals, and trying not to miss setup deadlines.
The average homeowner spends 5–6 hours just coordinating these utilities. That's time spent on friction, confusion, and often overpaying for services they didn't adequately research or compare.
Lenders might walk away with a closed loan and a satisfied borrower, but they miss a critical opportunity that has a short window: Post-loan engagement. This is your chance to turn a single transaction into a lifetime of loyalty.
Why this moment matters for lenders
For years, the mortgage industry has focused heavily on the pre-close experience. That's where the relationship is built, where trust is established, and where communication is constant. But once the papers are signed, that relationship often goes dormant. That's a missed opportunity on multiple levels:
Retention: Borrowers who feel supported through the entire process, not just the financing part, develop deeper loyalty. They're more likely to come back for a refinance, a HELOC, or a new purchase down the road.
Referrals: Borrowers who enjoyed a smooth experience talk about it. When you go above and beyond to help them through the moving process, they’re more likely to become advocates and refer you to friends, family, and colleagues.
Competitive advantage: In a crowded lending market, showing up in the moments that matter sets you apart. It shifts you from being a lender to being a trusted advisor. The borrower's perspective changes from "they financed my home" to "they helped me through a major milestone."
Lifetime value: Today's borrower is tomorrow's repeat customer. A first-time homebuyer who closes with you at age 32 may need a refinance at 41, a HELOC at 48, and a move-up purchase at 53. That's three separate mortgage opportunities where they’ll need professional help—your help if you nailed the post-close experience.
The problem: fragmented solutions, fragmented experiences
Some lenders have tried to solve this by offering hodgepodge perks—a moving company discount here, a home service coupon there. But those aren't solutions. They're band-aids.
Borrowers don't want more options to manage. They want fewer things to think about. They want centralized, reliable, expert guidance on something they don't know much about—and they want it to come from someone they already trust: their lender. That's where OneSource comes in.
What OneSource does
OneSource removes the friction from setting up home utilities by acting as a concierge between the borrower and providers. Instead of the homeowner calling around to figure out which company services their address, comparing plans, and coordinating multiple setup appointments, OneSource does it—all in one place.
The service covers:
- Identifying all available providers for a specific address (electricity, gas, internet, phone, home security, television, water, trash, etc.)
- Comparing options and pricing in deregulated markets where choices exist
- Securing exclusive discounts not available to the general public
- Coordinating setup and activation so utilities are ready on or before move-in day
- Saving borrowers 5–6 hours of coordination and often hundreds of dollars in optimized or exclusive pricing
For lenders, the value is even clearer: borrowers save time and money, feel supported, and associate that positive experience with the lender who connected them.
Over 1.1 million homeowners have used OneSource, and adoption rates among lender partners are consistently strong. Because it's not positioned as a "perk"—it's a genuine solution to a real problem that every homeowner faces.
How Total Expert and OneSource work together
Most lenders know they should be staying engaged with borrowers after closing. The challenge is execution: how do you make it seamless, scalable, and actually valuable?
The integration between Total Expert and OneSource answers that question.
Automated outreach at the right moment
Using Total Expert Journeys, lenders trigger a OneSource connection at the perfect time—typically 5–10 days before closing when the borrower is starting to think about logistics but hasn't yet begun the chaotic work of setting up utilities. The borrower receives an invitation to connect with OneSource, all contextualized within their communications with the lender.
One-click access
The borrower doesn't need to sign up for another platform or navigate a new website. They receive a direct link to their pre-populated OneSource profile, so the barriers to entry are near zero. They answer a few questions about their new address and service preferences, and OneSource takes it from there.
Transparent outcomes
As OneSource coordinates utilities and completes activations, lenders can see that engagement happening. When utilities are activated, when issues are resolved, when the borrower has saved money—that data stays visible in the context of borrower relationships, not in a siloed system.
Continuous engagement
The relationship doesn't end at utility setup. By bringing this service into Total Expert Journeys, lenders can sequence follow-up touchpoints that keep them connected as the borrower moves through the post-close window. A check-in on moving day. A referral prompt once utilities are stable. A follow-up six months later when the next major financial decision might be on the horizon.
It's frictionless for the borrower and scalable for the lender.
The lender advantage: from transaction to relationship
For lenders, the integration transforms closing from a transaction endpoint into a relationship milestone. Instead of handing off the borrower at the finish line, lenders stay present through one of the most stressful weeks of the entire home purchase process.
The outcome:
- Higher engagement: Borrowers see their lender as a partner in their entire home transition, not just the financing part
- Stronger loyalty: When you help reduce stress at a critical moment, that relationship becomes emotionally charged—the good kind
- More referrals: Borrowers who had a smooth, end-to-end experience share that story. They refer lenders who "really took care of them"
- Repeat business: Top-of-mind borrowers come back. For refinances. For HELOCs. For move-up purchases.
- Competitive differentiation: Most lenders hand off at closing. You don't. That distinction registers with borrowers
The real competitive advantage: showing up when it matters
The lenders winning in today's market aren't the ones with the lowest rates or the most loan products. They're the ones building deeper, longer-lasting relationships with borrowers—and that starts with showing up in the moments that matter most.
Closing day is special. But it's not the end of the story. It's a milestone in a much longer relationship.
OneSource helps you stay present through what comes next. Total Expert helps you scale that presence across your entire organization.
Together, they transform how lenders think about the post-close window—from a time to forget about the borrower and move to the next deal, into an opportunity to build the kind of loyalty that keeps customers for life.
Ready to turn borrowers into lifetime customers?
The Expert Partner Network connects you with solutions designed for every stage of the borrower journey.
Schedule a demo to see how Total Expert + OneSource can help you stay connected where it matters most.
