Path to Homes is a non-profit housing support organization. We act as an intermediary between banks, creditors, and individuals to make mortgages accessible. Whether someone has bad credit, no credit, or even strong finances, we provide a pathway to home ownership by reducing barriers like high credit score requirements and large down payments.
Yes. Unlike banks, we don’t require a credit score. If you have income and a willingness to repay, we can negotiate mortgage approval for you.
Yes, but it’s much lower. For example, if a bank requires $40,000 down on a $150,000 mortgage, we can often reduce that to around $15,000, depending on your situation.
No problem. We’ve helped many first-time buyers with no credit history secure mortgages. We look at your income, employment, and ability to repay instead of just a credit file.
No. Unlike banks, we don’t repossess homes if you fall behind. As long as you’re willing to pay interest, restructure payments, or set up a repayment plan, we’ll work with you to keep you in your home.
Absolutely. We work within banking regulations. Our difference is that we partner with sponsors who reduce risk for the banks, making approval possible.
Because of our sponsor-backed model. Sponsors commit resources that help reduce the bank’s risk. That allows us to negotiate more flexible terms on behalf of our clients.
No. We don’t give free homes — we provide fair mortgage access. Clients still buy their homes, but on terms they can realistically achieve.
Sponsors are individuals, organizations, or businesses who invest resources into our mission. They help make mortgages accessible by backing our clients. Many sponsors are also homeowners who benefited from our program and want to give back.
Yes. Wealthy clients often come to us because we secure ultra-low APR mortgages, saving them large amounts over time. Many of them later reinvest as sponsors to help others.
No. The home is yours. We never take ownership, and we never repossess if you stay in communication and make an effort to repay.
We’ll review your situation and create a plan. Some clients start with smaller deposits while we secure sponsorship backing. Every case is tailored.
Yes. You choose the home. We help you secure financing for it.
You make payments like a normal mortgage, but the terms are often more flexible. If issues arise, we restructure with you instead of forcing foreclosure.
It depends on your readiness. Once your income, deposit, and documents are in order, approval is much faster than traditional bank loans because we do the heavy negotiation.
Transparency is everything to us. We’re a registered non-profit. We don’t promise free houses — only fair access to mortgages. Every step is documented, and sponsors receive reports of their impact.
We don’t add hidden fees. Any small admin costs are explained upfront. Most of our funding comes from sponsors, not from burdening clients.
Yes. We help existing homeowners refinance at lower APRs, and we welcome anyone to join as a sponsor to help others achieve home ownership.
Our sponsors include community leaders, businesses, and individuals who believe in fair housing. Some are clients we’ve helped who decided to give back.
Reach out to us. We’ll review your goals, income, and deposit, then match you with the right mortgage solution. From there, we handle negotiations with lenders and walk with you until you have the keys to your home.
