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Who are Certified Affordable Housing Providers?
Currently over 100 MILLION families and individuals in America do not own a home of their own. This is the lowest ownership rate in over 70 years. The reason is that 80% of Americans today cannot qualify for a traditional bank loan. This fact presents a real barrier to advancing the ideals of owning a slice of the American Dream.
Path To Home Ownership™ was designed to educate then connect individuals and families who are looking to someday own a home with experienced and qualified Certified Affordable Housing Providers™ (CAHPs) who want to do good by providing affordable housing to the public. If you’re looking to rent but one day dream to own your own home, look no further. Welcome to your personal Path to Home Ownership™.
What is Affordable Housing?
Many perceive that 'Affordable Housing' is about providing low cost or low quality housing for the poor. This is simply not true.
Affordable housing payments’ might be a better description of how the Path to Home Ownership™ program works. We provide housing with monthly payment of equal to or less than one-third of a family's combined monthly gross income. Therefore ‘Affordable Housing’ is not just a description of the housing that qualifies, but also a description of what a person or family can afford.
We only offer a person or family housing they can sustain based on their current income. Our Certified Affordable Housing Providers™ (CAHP's) are trained to look at your income and other financial obligations to determine what monthly price range and price point you can qualify for. We then work with you to help you find the perfect home for your family, one you can eventually own, inside of your budget.
Under the Path to Home Ownership program, we consider everyone who applies to be on the Path to Home Ownership.
Our team of Certified Affordable Housing Providers will help guide you through this multi-level, 'one stop shop' program to help you achieve the American Dream of Homeownership! No matter what condition your credit is in, we have an option for you! This program offers those who may not qualify for a traditional bank loan a unique opportunity to eventually own a home.
Every family’s situation is different, so our expert affordable housing providers and local mortgage specialists will be happy to run through the calculations, with you and your particular needs in mind. We’ll work with you to see if you qualify for No Money Down, and find a monthly payment that works with your budget. Once we’ve reviewed your situation, we’ll show you the best and most affordable way to start your path to homeownership, with no obligation.
Our homes are available for Rent or Purchase. Apply today to see which path is best for you! If there's a will, there's a way!
In many of our communities, our homebuyers are building equity in their houses for a monthly payment lower than their previous rent, and they are now eligible to receive extra financial benefit from the federal mortgage interest tax deduction.
"Our mission is to transform lives through Affordable Housing to empower families and individuals to enjoy the American Dream of homeownership"
*We are not bankers, or any other financial institution. Therefore, this program is limited by state law. Our purchase and closing transactions are completed with licensed title and escrow. *
Ready for Home Ownership?
The financial and tax benefits of owning a home vs. renting are very clear. Home ownership also provides many benefits to the family, children and the community, such as increased education for children, lower teen-age pregnancy rate and a higher lifetime annual income for children.
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