Golden Path Homes sells homes directly to buyers on owner financing: no bank, no mortgage application and no credit check. The deed is recorded in your name at closing through a title company, and a fixed monthly payment goes to a third-party loan servicer. 103 homes are available in 23 states. Down payments run from $10,000 to $60,000, and monthly payments from $484 to $5,353.
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Five things are true on every Golden Path Homes purchase:
Before you start
Buying a home takes a down payment and steady income. Down payments on the homes available today run from $10,000 to $60,000. There is no credit check.
103 homes in 78 cities across 23 states, as of October 24, 2026, 11:27 AM CT. A home near two cities is listed under both. See the terms in each city
Browse every home in North Carolina
Browse every home in Louisiana
Browse every home in Tennessee
Browse every home in Mississippi
Browse every home in New Jersey
Browse every home in Pennsylvania
Browse every home in South Carolina
Browse every home in Wisconsin
An owner financed home is one the seller finances instead of a bank. You pay the seller a down payment at closing and a fixed monthly payment after that. With Golden Path Homes the deed is recorded in your name at closing through a title company, so you own the home from the first payment.
No. Golden Path Homes does not run a credit check on any buyer. Approval comes down to a down payment and steady income, including self-employed, 1099 and cash income with basic verification.
How no-credit-check approval works, and the homes by state
A down payment is required on every home, and each listing shows what it takes. The more you put down, the lower your monthly payment. Down payments on the homes available today run from $10,000 to $60,000.
How the down payment is set, and the range in every city
No. With rent to own you rent first and the seller keeps the deed until you exercise an option to buy, often years later. With owner financing from Golden Path Homes the deed is recorded in your name at closing. Golden Path Homes does not offer rent-to-own.
Rent to own, explained, and how owner financing differs
You can close in as little as 14 days. No bank is involved, so there is no mortgage approval to wait for.
Tell us where you want to live and what you have for a down payment, and our team will reach out. No credit pull, no obligation. Get matched with a home or call (469) 421-6170.
More from Golden Path Homes: Rent to own homes, and a way to own from day one · Rent to own homes with no credit check · Owner-finance terms by city · About Golden Path Homes