Pathway Choice

What Is Shared Ownership?

Shared Ownership is a partial ownership product that allows you to purchase and own a 50% share of the home while paying rent on the remaining half, then buying the second half when you are ready.

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. Our team is there to help you along the way.

3. Secure a Mortgage: You'll get a mortgage from a lender of your choice for the first 50% of the home. Our team and partners can assist you with this process.

4. Close on Your Home: 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 payments to build your savings. We'll help you prepare to purchase the remaining 50%.

Minimum Requirements

To qualify for Shared Ownership, you must meet the following minimum requirements:
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Household Average Transunion Resident Score of 640+.
Monthly Pre-Tax Income equal to 3x rent.
No bankruptcies unless they were discharged two or more years ago.
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.