How It Works

It’s like buying a house, but easier.

Your Pathway Home Starts with Us

  • Apply Online.

    It’s fast, easy and it won’t impact your credit score. Once approved we’ll give you a home shopping budget and help you decide which Pathway product makes the most sense for you.

  • Search.

    It’s time to start looking for your home! You can use your own real estate agent, or we can pair you with one of ours. Choose from homes on the market or one of our move-in ready homes. 

  • Time to Buy.

    When you find the perfect home, Pathway will make a cash offer. We take care of all closing costs, taxes, and insurance. We’ll even inspect the home and take care of all necessary repairs.

  • Move In.

    Once we’ve closed on the home, the Pathway team will get it move-in ready while you pack up your stuff ahead of moving day.

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    Relax.

    You’re home now! Settle in, meet the neighbors, host a backyard barbeque. We'll take care of the home’s major maintenance and upkeep so you can focus on getting mortgage-ready.

  • Buy, Rent, or Walk Away.

    When you’re ready to buy, Pathway will sell it to you at a pre-agreed price. If you decide not to buy, you can continue renting, move into a different Pathway Home, or move on. There are no penalties or fees for canceling.

Our Programs

HomeStart

Rent now, buy later.

Whether you’re ready to settle down but haven’t been able to save, or are just not ready to commit, HomeStart is the perfect solution. Find the perfect home, let Pathway purchase the home, and lock in your rent for five years. With Pathway you’ll always have the option to purchase the home at the pre-agreed price but no obligation. 

Savings Match

Build a down payment while you rent.

For renters with some savings, you can start putting your rent to work with just a 2.5% deposit. Simply pay your rent while living with Pathway and when you’re ready to buy we'll match your deposit up to 100%. That gives you up to 5% of the home's pre-determined price to put down as a down payment! And don’t worry, if you change your mind, you’ll get your deposit back (and then some). 

Home Budget Calculator

Mortage

Not sure which Pathway product is right for you?

Our Home Budget Calculator crunches the numbers to estimate your:

  • Home Shopping Budget

  • Monthly Rent Payments

  • Savings Match Earnings

Living with Pathway

Maintenance, taxes, and upkeep are on us.

Saving for a mortgage is hard enough. We do the heavy lifting by taking care of the big things that affect the safety and livability of the home so you can focus on saving your money to buy it.

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Smart Home technology comes standard.

Every Pathway home is installed with smart home technology making your home smarter, safer, and greener. Control your thermostat, lock your doors, and monitor activity in your home all from your cell phone.

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Support for your finanical goals does too.

We want nothing more than to see you become a homeowner. As you get mortgage-ready, we’ll be there with tips, education, and helpful resources to keep things moving in the right direction.

Support

The Fine Print

Is Pathway available in my Area?

We currently serve select metro areas with plans to expand to many more soon.

Be the first the know when Pathway launches in your market:
Sign up for updates.

What do I need to pay up front?

Our application only takes a few minutes. Once you’re approved and find a home, we’ll collect your first month’s rent and a security deposit. If you’re in our Savings Match program, we’ll also collect the 2.5% Savings Deposit.

Have more questions?

We’ve got answers. Check out our FAQs.

What income and credit is needed for approval?

We require a minimum annual household income of $50,000 and a credit score of 600. Applicants must also pass a background check. You can find our full application requirements here or, if you prefer to speak with someone about your application reach out.

Am I committing to a 5 year lease?

No. Each lease term is one year in length, but we lock in your annual rent and home price for five years. Pathway’s goal is to help you become a homeowner. We believe that 5 years provides a realistic timeframe to save money and get mortgage-ready. 

When can I purchase the home?

At any point after the first year. Your lease will detail the purchase price of the home for each year, so there are no surprises. We are excited to see you become a homeowner whenever you are ready!

Why rent with Pathway?

Pathway Homes was built from a foundation of real estate and technology experts. Our team has bought and sold more than 50,000 homes and has provided financing for many more. We created Pathway Homes because we see a critical imbalance in the real estate industry. Learn more.