Did you know only 20-30% of American families qualify for traditional loans? This leaves over 70% unable to secure housing financing. We're changing the game with our unique programs, widening the path to achieve homeownership. While 64% of Americans own their homes, a significant 100+ million don't, often stuck in rentals due to financial barriers. Our network of is dedicated to filling this gap, offering practical solutions for those striving to achieve their dream of owning a home

Studies by Harvard and HUD reveal the transformative power of homeownership. It's more than a financial asset; it boosts family incomes, increases educational pursuits among children, enhances family stability, and reduces youth crime rates. Owning a home isn't just about having a place to live; it's about improving life quality and fostering community strength. The pride of owning a home plays a crucial role in these positive outcomes.

We revolutionize home financing by eliminating the need for banks. Your past credit history? We don't sweat over it. Lacking a hefty down payment? No worries! We've got a range of programs designed to elevate you step-by-step towards the ultimate goal of homeownership. With us, barriers are just stepping stones on your path to owning a home.

Why can't many people qualify for traditional loans? Past challenges like job loss, foreclosure, bankruptcy, and payment issues often lead to low credit scores. In today's economy, most lenders shy away from such profiles. Our approach is different. We focus on the future, not the past. Credit history isn't a deal-breaker for us. We primarily look for a sufficient down payment, which can come from various sources: family gifts, government grants, IRA or 401K loans, or even philanthropic foundations. Our programs are tailored to help people move past their financial history and towards homeownership.

We meet people where they are in their financial journey. Our mission is to set them on the path that leads to homeownership, starting now. The key requirement? A job or any reliable source of income. If that's in place, we're ready to help them secure a home. We believe in making homeownership achievable, regardless of past financial hurdles.

The demand for affordable housing far exceeds what agencies like Habitat for Humanity can supply. While Habitat focuses on building new homes one at a time, our approach is different. We tap into the existing housing stock, which is a more environmentally friendly option. By 'recycling' houses, we avoid cutting down more trees and using additional land. Our method not only meets the high demand for homes but also supports green living by making the most of what's already built.

We source homes from a variety of channels to provide you with the best options. This includes bank foreclosures, offering great value; probate properties, which are often unique finds; real estate listings, providing a wide selection; and directly from the public, ensuring we have a diverse range of homes. Each source adds to our extensive and varied inventory, catering to different needs and preferences.

We offer flexible programs to homeownership: (1) Rent to Own: Lease with an option to buy. (2) Owner/Seller Financing: Direct financing from us, no banks involved. (3) Cash Sale: Using FHA or traditional loans. (4) Work for Equity: Earn down payment credits through fix-up work. Each option is designed to accommodate different financial situations, making homeownership accessible and achievable for more people.

No. We focus on financial stability. To qualify, applicants need a stable source of income. This can be from a steady job, a pension, social security benefits, or disability income. Our goal is to ensure that our clients have the means to sustain homeownership. We believe that a reliable income is key to maintaining long-term financial stability and successfully managing homeownership responsibilities

No, we don't have any upfront fees. However, there's a nominal $50 application fee for couples, which covers credit checks and helps us estimate the timeline for securing a bank loan. This can be done in the very beginning or we can provide an estimate of how much house one can afford and once a house is available then a $50 application fee will needed for applying for the house. The next step depends on the chosen program. Clients may need to provide Move-In Fees, Option Fees, or Down Payments. These amounts vary based on the home's price and the specific program the client qualifies for. Our fee structure is designed to be transparent and tailored to each client's path towards homeownership.

The duration mainly hinges on how swiftly we can connect with the references provided in the application. Typically, we're able to wrap up most applications within 24 hours. Our aim is to expedite the process, ensuring a quick turnaround for those eager to start their journey to homeownership.

It varies based on the client's needs. If we have a suitable home in our inventory that matches their requirements, there's no waiting period. Clients can move in as soon as their application is approved and all necessary payments are made. However, if they need a specific type of home – like a certain number of bedrooms, a particular location, price range, or style – that isn't currently in our inventory, we'll work to find a property that meets their needs and fits our acquisition criteria.

Rent-To-Own: We require roughly 3% of the home's price.

In-House Financing (Owner Financing): About 10% down is needed.

Cash Sale (Traditional or FHA Loan): The down payment depends on the loan type.

Note that program specifics may vary by state due to local regulations. Our goal is to provide clear, upfront information about the financial commitments for each of our housing programs, ensuring clients can make informed decisions.

Yes, we primarily deal with previously owned homes, which often need varying degrees of work. While some homes might only need cosmetic updates like paint and carpet, others may require more extensive repairs, including new HVAC systems, roofing, or cabinetry. Many of our clients have the skills or know people who can undertake some or all of these repairs. We collaborate with clients to determine what work they can handle. Importantly, we offer credit towards their down payment for any repair work they complete, making it a mutually beneficial arrangement.

They can opt for our VIP program. It's designed for flexibility, allowing clients to start with as little as $500 in escrow. From there, they can add more funds each pay period until they accumulate the necessary amount for their chosen program. We understand life's unpredictability, so if they need to back out due to a change in circumstances or an emergency, the amount they've built up is fully refundable. This program is our way of making homeownership accessible, even for those who are just starting to save.

Absolutely! If you refer a new client to us and we successfully do business with them, you can earn a referral bonus ranging from $250 to $1000. It's our way of saying 'thank you' for helping us connect with more people who can benefit from our services. This incentive is open to anyone who refers a new client to us, making it a great opportunity for those who believe in what we do and want to spread the word.

Rent to Own: Standard Rental Agreement plus an Option to Purchase Agreement.

Owner Financing: Standard Agreement for Deed.

FHA/VA/Traditional Loan: Standard Purchase and Sale Agreement.

VIP Program: VIP Agreement, with payments held in escrow.

Additionally, for all our programs, we provide necessary disclosures like lead-based paint information, Move-In inspection reports, and other essential documents. Our goal is to ensure a transparent and smooth process, keeping all parties well-informed and legally protected. *May vary by state.

It's a legal term where the seller holds the deed while the buyer makes payments, similar to a car loan where the lender holds the title. If the buyer defaults, the seller can repossess the property without a lengthy foreclosure process. This method is IRS-recognized, allowing buyers to deduct interest and property taxes on their federal returns. An added benefit: if a buyer defaults, facing eviction is less damaging to their credit score than foreclosure. However, the availability of this option may vary by state.

Other legal terms for Agreement for Deed include Contract for Dee, Land Contract or Bond for Deed.

Absolutely, and we encourage it! Once a client's credit improves, they can opt for a FHA or traditional loan at a lower interest rate.

For clients whose employers are willing to collaborate with us, we offer the convenience of payroll deduction payments. This method allows for seamless and timely payments directly from the client's salary, simplifying the process and ensuring regularity in payments. It's part of our commitment to provide flexible and accessible payment options to suit our clients' diverse needs and circumstances.

We understand that financial situations can change. If a client starts to lag in their payments, we first try to understand their circumstances. Our approach is to work collaboratively to find a solution, whether it's adjusting payment plans, exploring temporary relief options, or providing guidance on financial management. Our goal is to help clients stay in their homes and navigate through tough times, rather than immediately resorting to eviction or foreclosure. We believe in supporting our clients through challenges, maintaining open communication, and seeking mutually beneficial solutions.

We have just branched out to our own sector in the industry in 2023 but full execution in 20024. This has been adopted from the giants who came before us who have allowed us to continue in this pursuit of homeownership possibilities. Since 1976, Lou Brown has opened this information of creative financing with years in the industry learning through trial and error. Please feel free to look at their information for more verification and credibility.

Lou Brown's website: pathtoownership.com

He is just one of the many pillars who has made away for people who get turned down by traditional banking and lending to achieve homeownership regardless of credit standing. Life is more than credit, and life is short, to be a helping hand and extension of God's Grace is how our business sprung forth.

Currently with K2H, we operate in CT and in TX but we have networks throughout the nation, for instance FL, LA, NY, NJ, GA and the list continues to grow. If We cannot serve you, there is a network of “Certified Affordable Housing Providers®”, feel free to go to pathtoownership.com and connect with a CAHP in your area. Again, this is a network of where all of this originated from. Please remember some program differ from ours, although pretty close to the same there are just some minor differences.