Marcus Saldana is a creative real estate investor and founder of Golden Path Homes. He specializes in owner financing and creative-finance purchases, structuring deals so credit-locked buyers, self-employed workers, and buyers rebuilding credit can become homeowners without a bank. Every listing and guide on this site is co-authored with managing partner Talyn Jones.
Golden Path Homes sells owner-financed homes directly to buyers, with no bank and no credit check. A down payment and steady income are required. Fixed rate, typically 2.5% to 8%, for the life of the agreement, and the deed recorded in the buyer's name at closing through a title company. Golden Path Homes also buys houses directly from sellers.
Every purchase works the same way: no credit check, a down payment typically between $20,000 and $40,000, and a fixed rate, typically between 2.5% and 8%, for the life of the agreement. The deed is recorded in the buyer's name at closing through a title company, and a third-party loan-servicing company documents every payment afterward, so buyers who cannot qualify for a traditional mortgage still get a fully documented, title-company-closed purchase.