The rate is fixed, from 4.9% to 6.5% depending on the home, for the life of the agreement. It never adjusts. Each listing shows its monthly payment at that rate, and a larger down payment lowers it. Our team walks you through the full term for the specific home before you sign anything, in writing.
As of October 8, 2026: 119 homes in 25 states, down payments from $10,000 to $60,000.
Fixed. The rate is set when you sign and stays the same for the life of the agreement. There is no adjustable period, no reset date and no index it follows. Property taxes and insurance are set by the county and the insurer and can change like they do for any homeowner.
Because it is set per home, from 4.9% to 6.5%, along with the price and the down payment. It is not set per buyer: your credit is never checked, so it cannot move your rate. Each listing shows its monthly payment at that home's rate, and on the homes available today monthly payments run from $700 to $3,955.
The term is set per home and shown in the written terms before you sign. Our team walks through it with you for the specific home you want. The term and the full payment schedule are in the written terms before you sign.
Yes. The deed is in your name, so you can refinance whenever a bank will lend to you, whether that is because your credit recovered or rates dropped. The loan servicer gives you a payoff amount, the new lender pays it at a title company, and the owner financing is closed out. What happens if I sell early or refinance covers it.
Honestly, a bank may offer a lower rate to a borrower with strong credit and a long work history. Most of our buyers cannot get that loan at any rate, because the bank turned them down. Compared with what they can actually get, owner financing means no credit check, no mortgage insurance, a fixed rate and a closing in as little as 14 days.
Browse live owner-finance inventory, or tell our team your budget and where you want to live. No credit pull, no obligation.
No. There is no credit check, and the rate is set per home, the same for every buyer of that home.
Golden Path Homes sets it for each home, from 4.9% to 6.5%, and it is in the written terms before you sign.
No. Interest is charged only on the amount financed, which is the price minus your down payment.