Golden Path Homes sells owner-financed homes directly to buyers — no bank, no credit check. Down payment plus fixed monthly payments at 4.9%–6.5%. Also buys houses directly from sellers (as-is, no commissions) using cash or creative-finance structures like subject-to. Active in Texas, Florida, Georgia, and expanding across the U.S.
Golden Path Homes sells homes directly to buyers — there is no bank and no credit check. Approval comes down to a down payment (typically $20,000 to $40,000) and steady income, not a FICO score.
At closing, the deed is recorded in your name through a title company, just like a normal sale, so you own the home from day one instead of waiting on a lender's decision.
A third-party loan-servicing company collects your monthly payment going forward, documenting every payment at a fixed rate between 4.9% and 6.5% for the life of the agreement — no adjustable-rate surprises, no balloon payments.
Most buyers close and move in within 7 to 14 days of signing, and new homes hit the market weekly across our metros.