Pathway Choice

Low Upfront Cost
Start with as little as ~2.5% of the home’s value in total upfront funds required.

Affordable Monthly Payments
Less monthly cost compared to a traditional mortgage. Less debt, lower payments, and no PMI payments!

Clear Path to Ownership
Purchase the remaining 50% of the home at fair market value when you are prepared for full ownership

A Partner on your Homeownership Journey
‍Our interest in the home creates alignment with the Shared Owner. Have peace of mind that Pathway will be there, so that you can simply enjoy your home

Join Waitlist

What Is Shared Ownership?

Shared Ownership is a partial ownership product that allows you to purchase a leasehold estate and 50% of the value of a home, while paying rent on the remaining half.

Why Consider Shared Ownership?

Our Shared Ownership program allows you to access the benefits of homeownership with lower upfront costs, lower monthly payments, less debt, and greater flexibility than traditional ownership through a mortgage.

The Best of Both Worlds

We will remain your dedicated partner and manage major repairs, allowing you to save for the remaining 50% while participating in the price appreciation of the home you’re living in.

How Shared Ownership Works

The process is designed to be straightforward and simple.
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1. Apply With Pathway: The application is quick and won't affect your credit score. You'll get an outcome in 30 minutes or less.

2. Choose a New Home: Select a home you love from our available listings or approved builder communities. Our team is there to help you along the way.Select a home you love from our available listings. Our team is there to help you along the way.

3. Secure a Mortgage: Get approved for a mortgage loan from our preferred lenders or a lender of your choice. Our team and partners can assist you with this process.

4. Close on Your Home: Buy your 50% interest and start enjoying access to home price appreciation.You'll start by purchasing the first 50% of the home, and we'll handle the rest.

5. Move In! Take advantage of your lower monthly payment to build your savings. We'll help you prepare to purchase the entire home when you are ready.

Minimum Requirements

To qualify for Shared Ownership, you must meet the following minimum requirements:
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Minimum combined household FICO of 620.
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Cash savings to make a 2.5% of total home value down payment.
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No bankruptcies unless they were discharged two or more years ago.
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No evictions in the last two years.

All members of the household 18 years or older must pass a background check.
You must have a valid government-issued ID.

First Name

Last Name

Phone

How soon are you looking to move?

Where are you looking for a home?

What is your credit score?

What is your household income?

What else should we know?

By entering a phone number and submitting this form, I authorize Pathway Homes and its service providers to contact me at the number I provide via voice call, text, artificial prerecorded voice, and ringless voicemail using an automatic telephone dialing system for marketing purposes. Not a condition for purchase. Message and data rates may apply. To opt-out at any time reply "STOP" or revoke your consent over phone.

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