The following information is an overview of Pathway Home’s application process and requirements. Additional information and underwriting requirements may apply. Pathway Homes cannot guarantee the approval of any applicant.
We strictly comply with the Fair Housing Act, as well as other federal, state and local housing laws. Applications will not be denied on the basis of race, color, religion, national origin, sex, disability or familial status.
We reserve the right to charge a non-refundable application fee. This fee will offset the cost of the consumer credit report, background check and other related reports required for our review. Pathway reserves the right to amend the application fee at any time.
We review the credit history of all applicants as well as an applicant’s credit score as reported by a major credit reporting agency. Our credit inquiry is considered a “soft credit pull” and should not impact your score. Pathway requires a minimum credit score of 620. For households with more than one application we take the average credit score across all primary and co-applicants. A score below 620 or a negative credit history could result in denial of an application.
We review the background of applicants and occupants over the age of 18 years for any criminal history. Certain criminal convictions may result in the denial of an application.
Pathway requires a minimum annual household income of $75,000. We will attempt to verify the income of all applicants regardless of credit score. Discrepancies in income and/or inability to verify income could result in denial of an application.
Pathway will attempt to verify the employment of all applicants regardless of credit score. Discrepancies in employment and/or inability to verify employment could result in denial of an application.
We attempt to review the last two (2) years of rental history. Negative renter’s event within the last two (2) years could result in application denial.
If your application has been previously declined, or has expired, Pathway reserves the right to charge a non-refundable application fee to re-apply.