Welcome to Your Path To Affordable Home Ownership®
The Path to Home Ownership® program was designed to help individuals and families like yours, achieve affordable home ownership. Our Certified Affordable Housing Providers® are trained experts in helping responsible renters to become homeowners in less time by providing housing options where the housing payments are less than one-third of a famil
y’s combined monthly income. This method helps your family achieve affordable housing that you can sustain long term, helping you on your own Path to Home Ownership.®
Brought to you by your Certified Affordable Housing Provider®
Still dreaming of owning your own home but afraid you won’t qualify? Wondering how to buy a house with non-traditional methods? You’re not alone. There are more than 100 million families in America that don’t own their own home. Nearly 80% of Americans cannot qualify for a traditional bank loan. This presents a significant barrier to advancing the ideals of owning a slice of the American dream. Stop throwing your money away and get started on the Path to Home Ownership® today. Our Certified Affordable Housing Providers® can teach you how to buy a house or how to rent to own based on what you can comfortably afford. About Path To Home Ownership®
Our Purpose
Currently, over 100 MILLION families and individuals in America do not own a home of their own. This is the lowest ownership rate in over 70 years. The reason is that 80% of Americans today cannot qualify for a traditional bank loan. This fact presents a real barrier to advancing the ideals of owning a slice of the American Dream. Path To Home Ownership® was designed to educate then connect individuals and families who are looking to someday own a home with experienced and qualified Certified Affordable Housing Providers® (CAHPs) who want to do good by providing affordable housing to the public. If you’re looking to rent or rent to own but one day dream to own your own home, look no further. Welcome to your personal Path to Home Ownership®. What is Affordable Housing? Many perceive that ‘Affordable Housing’ is about providing low cost or low-quality housing for the poor. This is simply not true. Affordable housing payments’ might be a better description of how the Path to Home Ownership® program works. We provide housing with monthly payment of equal to or less than one-third of a family’s combined monthly gross income. Therefore ‘Affordable Housing’ is not just a description of the housing that qualifies, but also a description of what a person or family can afford. We only offer a person or family housing they can sustain based on their current income. Our Certified Affordable Housing Providers® (CAHP’s) are trained to look at your income and other financial obligations to determine what monthly price range and price point you can qualify for. We then work with you to help you find the perfect home for your family, one you can eventually own, inside of your budget. What types of Affordable Housing programs does PTHO offer? Are you wondering where to find rent to own homes? Do you want to get into your own home in less time? CAHPs participating in the PTHO program offer Rent, Rent To Own (Lease with Option to Buy), Owner Financing (Agreement For Deed), and Cash Sale (New Bank Loan) options. Even a renter is given a plan to follow so that eventually owning a home is possible. You are placed in our membership program starting at the level you can afford now based on your initial investment. Then you are given options and opportunities to boost to the next membership level until you can eventually buy the home. Whether you are a first time home buyer, interested in owner financing, have bad credit, perfect credit, or maybe no credit at all, we have programs to help you achieve your ultimate dream of homeownership. Our programs are designed to start you based on what you can afford today and support you as you grow to eventual homeownership if YOU choose. As a rental client, you enter our Bronze Level. As a Rent to Own client, you become a Silver Level member. As an in-house financing client, you become a Gold Level member, and as someone who can qualify for new bank financing you earn Platinum Member status. Our CAHPs are equipped to help you grow at your own pace. Start Your Path to Home Ownership®
Our Path to Home Ownership® program was designed to help just about anyone achieve the reality of home ownership. By entering the program at the level you can comfortably afford and moving through the Path to Home Ownership® steps you’ll be able to afford and own your own home. Who can qualify for this Affordable Home Ownership plan? Whether you have income, credit, or location challenges, we offer options to earn and build credit toward home ownership. Based on combined household income, anyone with good, fair or poor credit can qualify. We have programs that fit large, medium or small initial down payments. What are Owner Financed Homes? An unfortunate reality of today’s economy is that many people can’t qualify for traditional bank loans. This prevents many good honest and hardworking individuals from achieving their dream of home ownership. Owner financed homes are home loans that are provided by the owner rather than a bank. This helps you to build the credit and equity you need to eventually qualify for a bank loan and own your home outright. What if I do not Have Enough Down Payment to Qualify? You will join our VIP program. This is our ‘House on Layaway’ plan where you deposit with us the initial funds you have to work with now and contribute more each pay period until you accumulate enough to move in. What do I do next? Contact a Certified Affordable Housing Provider®
Find A CAHP Agent
What do Certified Affordable Housing Providers® do? They simply find and offer housing that matches what a person or family can afford whether it is a house for rent or a lease purchase we have options for you. How is that different than what Landlords do? Landlords give tenants housing but provide no future path for that tenant to eventually own a home. Believing that home ownership advances the person, the family, and society in a positive way, Certified Affordable Housing Providers® offer a plan to allow their clients to advance and grow into home ownership. Certified Affordable Housing Providers® serve your local community in many ways…
Benefit the economy by hiring people and buying supplies locally then restoring properties and returning them to the local property and school tax rolls. Support the environment by using the GREEN housing concept of recycling existing structures rather that tearing down and building new. Serve families and individuals by offering housing to deserving families to buy now or sometime in the future. Save resources as much of this is accomplished without government funding. These powerful and life-changing benefits for families, the community and government are provided by hard working entrepreneurs and non-profits groups. Please support their efforts by using their services and contact a Certified Affordable Housing Provider® today! Welcome to Your Path To Home Ownership® - How Can We Help!!!
