eXp Realty - Alluring Lifestyle Properties
Alluring Lifestyle Properties

We Create Homeowners! Becoming a Homeowner just got a Whole Lot Easier.

We’re on a mission to create more homeowners. Live in the home you want to buy while building your down payment. Whether you’re just starting out or already have some savings, Pathway’s Two Unique Programs can get you on the path to becoming a Homeowner.

We Have Two Great Programs for You to Choose From

HomeStart

Rent now, buy later.

HOME START PROGRAM

HomeStart Overview

• Low deposit equal to 1 month’s rent

• Deposit acts as your security deposit

• Choose from homes for sale on the market

• Rent annually with the option to buy

• 5 years to get mortgage-ready and buy the home

• Rent and purchase price locked-in for each year

• No penalty or fee if you decide not to buy

HomeStart is right for you if…

You don’t have any savings yet

Just like traditional rentals, all you need is first month’s rent and a security deposit to move in. But unlike traditional options, you can shop for a home on the open market. And if you decide you’d like to buy the home in the next 5 years, Pathway will sell it to you at a pre-agreed price. No surprises.

You’re uncertain about the future

Buying a home is a big decision and life is full of uncertainties. HomeStart offers the perfect balance between stability and flexibility. Settle in and start enjoying your new home today. If you decide to buy it, you can! And if your plans change, you can move on without paying a penalty.

You like renting but done with apartment life

For many, renting long-term just makes sense, but apartment life can leave a lot to be desired. With HomeStart you can choose a home that is actually listed for sale. And since Pathway makes all cash offers, we have a leg up against the competition with our offers.

Savings Match

Build a down payment while you rent.

SAVINGS MATCH PROGRAM

Savings Match Overview

• Deposit equal to 2.5% of the home’s value*

• Pathway adds to the deposit each year, doubling their
money in 5 years if they opt to buy the home

• Choose from homes for sale on the market

• Rent annually with the option to buy

• 5 years to get mortgage-ready and buy the home

• Rent and purchase price locked-in for each year

• No penalty or fee if they decide not to buy, and initial
deposit is fully refunded, plus appreciation

Savings Match is right for you if…

Your credit isn’t quite mortgage-ready yet

If you need more time to improve your credit before getting a mortgage, Savings Match is the perfect solution. You can start living in the home you plan to buy and take the time you need to build up your credit score.

You want to double your savings

Other rent-to-own solutions force you to save money by adding a premium to your rent that you get back later. With Savings Match, your savings deposit grows, and even doubles, simply by paying your regular monthly rent. In 5 years, your 2.5% will be 5% without you saving or paying an extra dime. And if you decide not to buy the home, there are no penalties, and you’ll get your Savings Deposit back with appreciation.

You’re tired of losing to cash offers

Maybe you’ve already gotten approved for a low down payment mortgage but keep losing out on homes due to competition in the market. Pathway buys every home with cash, making our offers more competitive in today’s market.

How Savings Match Works

The customer journey with Savings Match is the same as HomeStart, except the customer pays a deposit equal to 2.5% of the home’s value. Each year they rent the home, Pathway adds to their deposit. They can purchase the home any time after the first year. If they rent the full 5 years, we double their deposit plus appreciation. This money is theirs to keep if they buy the home. If they decide not to buy, they get their initial deposit back + appreciation. There are no fees or penalties for cancelling.
If they rent the full 5 years, we double their deposit plus appreciation. This money is theirs to keep if they buy the home. If they decide not to buy, they get their initial deposit back + appreciation. There are no fees or penalties for cancelling.

SAVINGS MATCH GRAPH

1. Apply Online

It’s fast, easy and it won’t impact your credit score. Once approved we’ll give you a home shopping budget and help you decide which Pathway Program makes the most sense for you. This is not all like a Home Loan Application.

2. Begin Your Search for a Home!

It’s time to start looking for your home! You can use your own real estate agent, or we can pair you with one of ours. Choose from homes on the market of move-in ready homes.

3. Time to Buy

When you find the perfect home, Pathway will make a cash offer. We take care of all closing costs, taxes, and insurance.
We’ll even inspect the home and take care of all necessary repairs.

4. Move In

Once we’ve closed on the home, the Pathway team will get it move-in ready while you pack up your stuff ahead of moving day. When it’s ready you will be met with the Keys for the Move In Day!

5. Relax

You’re home now! Settle in, meet the neighbors, host a backyard barbecue. We’ll take care of the home’s major maintenance and upkeep so you can focus on getting mortgage-ready.

6. Buy, Rent, or Walk Away

When you’re ready to buy, Pathway will sell it to you at a pre-agreed price. If you decide not to buy, you can continue renting, move into a different Pathway Home, or move on. There are no penalties or fees for canceling.

Ready to Get Moving?

Here’s what’s Required for the Application

Minimum Approval Criteria

• $50,000 household income
• 600 credit score (weighted
average for co-applicants)
• No evictions in the last 2
years
• Bankruptcies reviewed &
considered if discharged
after 2+ years
• Must pass a background
check

PATHWAY HOMES AGENT PARTNER

Please Gather the Following Documents For Income Sources for All Qualifying Parties

Traditional Employment ( W2 employee) 

  • Valid ID
  • Pay Stub or Signed Offer Letter
    Document must be within 30 days. If you are a new employee and do not yet have a pay stub, submit a signed offer letter from your employer stating your hire date and salary or provide your transfer letter. 

Contract Work – Self Employment 

  • Valid ID
  • Tax Return
    Most recent annual filed tax return
  • Business Bank Statement
    Proof of Business Ownership
    (Permit, LLC, DBA papers)
  • Business Profit and Loss Statement
    (previous year and current YTD )
  • Personal Bank, Paypal, or Venmo Statement
    Must be within 30 days.

Military

  • Valid Military & Civilian ID
  • Benefit Statement
    Most recent benefit statements
  • Pay Stub or Signed Offer Letter
    Document must be within 30 days. If you are a new employee and do not yet have a paystub, submit a signed offer letter from your employer stating your hire date and salary or provide your transfer letter.

Social Security / VA Disability

  • Award Letter
    Most recent award letter
  • Benefit Statement
    Most recent benefit statement
  • Personal Bank, Paypal, or Venmo Statement
    Must be within 30 days.

Child Support / Alimony

  • Court Documents
    Document awarding support
  • Income Source
    Document any other income sources
  • Business Bank Statement
    Personal Bank, Paypal, or Venmo Statement
    Must be within 30 days.

    Annuity / Retirement / Pension
  • Award Letter
    Most recent award letter
  • Benefit Statement
    Most recent benefit statement
    Personal Bank, Paypal, or Venmo Statement
    Must be within 30 days.

    Please remember to provide these documents for each member joining in to help qualify for the rental.

Search MLS Homes Here for Your Rent to Own Home

A Home at around $250 – 420k will keep you closer to Average Rental Rates.

You can go all the way up to $650k in this Program if your Calculated Budget allows it.

Text Us to Leave a Message

Text Us @ (602) 471 1281

Please tell us a little about what we can do to help you and the best time to call you back. We will get back to you very quickly. Text any time night or day, I will return the message in the day, sometimes sooner if it's urgent.

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Please tell us a little about what we can do to help you and the best time to call you back. We will get back to you very quickly. Text any time night or day, I will return the message in the day, sometimes sooner if it's urgent.

(602) 471 1281

EQUAL HOUSING OPPORTUNITY REALTOR

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Fair Housing Statement

It is illegal to discriminate in the sale or rental of housing, including against individuals seeking a mortgage or housing assistance, or in other housing-related activities. The Fair Housing Act prohibits this discrimination because of race, color, national origin, religion, sex, familial status, and disability. A variety of other federal civil rights laws, including Title VI of the Civil Rights Act, Section 504 of the Rehabilitation Act, and the Americans with Disabilities Act, prohibit discrimination in housing and community development programs and activities, particularly those that are assisted with HUD funding. These civil rights laws include obligations such as taking reasonable steps to ensure meaningful access to their programs and activities for persons with limited English proficiency (LEP) and taking appropriate steps to ensure effective communication with individuals with disabilities through the provision of appropriate auxiliary aids and services.

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2022© Arizona Regional Multiple Listing Service, Inc. All rights reserved. All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Information deemed to be reliable but not guaranteed. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. Only IDX residential listings are displayed on this site. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify perspective properties consumers may be interested in.

© 2022

Alluring Lifestyle Properties
Ed Long - REALTOR®
Lic. SA699086000
San Tan Valley, AZ

eXp Realty

Chandler Arizona
Broker In Charge:
Cathy Swann
888-897-7821

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