Yes. Golden Path Homes does not run a credit check, so a low score, a bankruptcy or a foreclosure never comes up. Approval is a down payment and steady income. The deed is recorded in your name at closing through a title company, and you own from day one, with a fixed rate for the life of the agreement.
As of October 8, 2026: 119 homes in 25 states, down payments from $10,000 to $60,000.
No. A discharged bankruptcy does not come up, because nobody pulls your report. If your case is still open, talk to your trustee or attorney before you buy, since an active case can limit what you are allowed to sign. That is a rule of the court, not ours.
No. A past foreclosure, a short sale or a deed in lieu all live on a credit report, and Golden Path Homes does not look at one. What we look at is whether you have the down payment and the steady income to carry the monthly payment on the home you want.
Right away. A bank or a government-backed loan makes you wait years after a bankruptcy or a foreclosure before it will lend again. We do not look, so there is no waiting period. A bank denial last month does not count against you here. Closing can happen in as little as 14 days.
Do not count on it. A third-party loan servicer documents every payment you make, which gives you a clean record of your own, but Golden Path Homes makes no promise that the payments are reported to the credit bureaus. What does change is that you own the home: the deed is in your name, you build equity with every payment, and you can refinance into a bank loan later if your credit recovers. Can I refinance or sell later? covers how that works.
Two things: the down payment for the home you choose, and proof of steady income. W-2 wages, self-employment, 1099 contract work and cash income all count, and our team does a basic verification. On the homes available today, down payments run from $10,000 to $60,000. The rate is fixed from 4.9% to 6.5% for the life of the agreement. See every available home.
Browse live owner-finance inventory, or tell our team your budget and where you want to live. No credit pull, no obligation.
No. A co-signer is not required. Household income counts together, so a spouse or partner buying with you adds to the picture, and nobody's credit is checked.
We do not pull credit, so collections never come up. A recorded judgment or lien against you can surface in the title company's search at closing, so mention it to our team early.
No. The rate is set per home, from 4.9% to 6.5%, and it is the same for every buyer of that home.
Buying a house with bad credit in Texas