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What is the Path to Home Ownership Program and who are Certified Affordable Housing Providers?
Our Purpose
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 or rent to own 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. What types of Affordable Housing programs does PTHO offer? Are you wondering where to find rent to own homes? Do you want to get into your own home in less time? CAHPs participating in the PTHO program offer Rent, Rent To Own (Lease with Option to Buy), Owner Financing (Agreement For Deed), and Cash Sale (New Bank Loan) options. Even a renter is given a plan to follow so that eventually owning a home is possible. You are placed in our membership program starting at the level you can afford now based on your initial investment. Then you are given options and opportunities to boost to the next membership level until you can eventually buy the home. |
