The Path To Home Ownership® (PTHO) offers many valuable benefits that can serve you very well in helping you advance yourself and your family towards the dream of home ownership.

Scroll down to see all that's included in your PTHO Membership!

1

Application

Your Path To Home Ownership® Membership application. Complete this and;

2

Personal Service

You’ll be assigned your own personal friendly trained local Certified Affordable Housing Provider® housing counselor that will analyze your information and place you into the PTHO program that is right for you, right now. Don’t worry – we have a program for everyone – even if you don’t have enough money to put down on a house now.

3

Guidance

Guidance: Right away we’ll send you a ‘Members only’ PTHO web class that explains more about the program and guides you on next steps. When the time is right we’ll place you with a licensed specialist that will work to get you the best mortgage.

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4

Education

Members receive your own personal copy of the best selling book “Never Pay Rent Again™” - the Path To Home Ownership® to learn more about buying a home.

5

Training

You’ll receive access to ‘Members Only’ video trainings on how to get yourself in a position to qualify for a loan.

6

Save Money

We help you save money. Our experts will analyze your existing bills to help you get immediate savings on Cell Phone, Internet, Cable, DirecTV and Dish, and Utilities – Gas and Electric*!! This alone could pay for your membership in the first month. More money in your pocket means you can buy a nicer house faster.

7

Credit Restoration

As a member you’ll receive a review of your credit. This may show that you can improve your score and lower your out of pocket costs on Auto Insurance and interest on Credit Cards, Auto Loans, Student Loans and yes – getting a low interest home loan when the time is right. We refer you to a non-profit organization that are experts at improving credit scores.

PTHO Training

Get the home of your dreams and build towards your future
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8

First Look

Members get ‘First Look’ status on all properties being purchased by the company to choose the home that is just right for you.

9

Custom Buy

Members get our ‘Custom Buy’ service as the company will seek to buy a property that is right for you – the number of bedrooms, bathrooms and location you prefer. No obligation – you can chose it or let it pass on to another PTHO client.

10

Earn Credits

Members can earn credit towards their down payment / purchase price by agreeing to do some or all of the repairs on a property.

PTHO Sold

Bonus

Everyone who joins us now receives the Platinum Savings Card™ Membership that gives weekly discounts at over 131,000 grocery stores, 91,000 restaurants, discounts on gift cards, discounts on prescriptions and more! Over $100 Value!

Are you serious about having a better life for yourself and your family? Isn’t now the best time to right your ship, get expert support and have a plan? Join the PTHO Membership today! It’s only $50 per person and we’ll go right to work to serve your needs.

Get Started on Your Path To Home Ownership® Today

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Get Started In Minutes!

As local Certified Affordable Housing Providers® Our Mission is to Transform Lives through Affordable Housing to Empower Families and Individuals to Enjoy the American Dream of Home Ownership™

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^*Due to state laws the program may differ slightly in some states.

Camila Mercado Michelli

Buying a house for the first time testimony | Camila Mercado Michelli

Camila Mercado Michelli shares her first-time home buying experience, highlighting the support from her realtor, Michael Jimenez, and the importance of having a knowledgeable team. She discusses overcoming challenges in understanding the home buying process and emphasizes the value of trust and professional guidance. Camila advises potential buyers to have a plan B and to work with trusted professionals to navigate the complexities of purchasing a home.

Highlights

00:00

Camila shares her experience of becoming a first-time homeowner, highlighting the challenges and successes she faced during the process, as well as the importance of having a knowledgeable team to support her.

02:00

Camila Mercado Michelli shares her experience as a real estate professional, emphasizing the importance of service, trust, and overcoming challenges in the home-buying process.

04:02

Camila Mercado Michelli shares her positive experience as a first-time homebuyer, emphasizing the importance of support and guidance throughout the process.

06:04

Camila Mercado Michelli shares her experience and valuable advice on navigating the challenges of buying a home for the first time, highlighting the importance of negotiation skills and trust in the process.

08:06

This features a heartfelt testimony about the experience of buying a house for the first time, emphasizing the importance of having a trustworthy and professional team to guide you through the process.

Camila Mercado Michelli Saint Paul, MN

Vincent and Sandy

Vincent and Sandy Schuster Testimony

Vincent and Sandy Schuster share their positive experience buying a new house, praising Dave from Remax for his knowledge and Pam from Legacy Title for her efficiency. They appreciated Joe's constant communication throughout the process, ensuring everything went smoothly without last-minute issues. The team effort and responsiveness made the home buying journey enjoyable and stress-free.

Highlights

00:00

Vincent and Sandy share their positive experience of buying a new house with the help of their real estate agent, Dave, and title representative, Pam.

00:58

The video features a testimonial praising the communication and responsiveness of a team during a complex buying and selling process, highlighting their support and efficiency throughout.

Vincent and Sandy Saint Paul, MN

Juan and Adele

Juan and Adele buys their dream house!

Juan and Adele express gratitude to Joel, a mortgage expert, for his assistance in quickly securing their dream home. They appreciate the efficient process, which took less than three months, highlighting the support they received throughout their journey to homeownership.

Highlights:

Buying a home can be a quick and efficient process when guided by an expert. The right support makes the journey smoother and more enjoyable for new homeowners.

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00:00 - Working with a mortgage expert significantly streamlines the home buying process. Their guidance helps buyers navigate complexities efficiently.

00:36 - The importance of timely communication and support during the home buying journey cannot be overstated. It enhances the overall experience for first-time buyers.

00:41 - Client testimonials highlight the effectiveness of expert assistance in real estate transactions. Positive experiences encourage others to seek professional help when buying homes.

Juan and Adele Minneapolis, MN

Brian

Brian Gould testimony with Ryan Schroeder

The video titled "Brian Gould Buys a New Home – Client Testimonial" features a brief interview where Julie Morgan, a real estate expert, congratulates Brian Gold on purchasing a home. Brian describes his experience as "fantastic" and praises Julie for being proactive, responsive, and helpful throughout the process. He mentions that Julie made herself available through various channels (calls, emails, texts), which helped him feel informed and confident in his decisions.

Brian highlights that Julie's commitment to providing solutions and answering questions, even in challenging conditions like snowstorms, was a significant factor in his positive experience. He expresses gratitude for her dedication and support.

You can watch the full video here: Brian Gold Buys a New Home – Client Testimonial.

Let me know if you’d like to dive deeper into any of these points!

Brian Minneapolis, MN

Disclaimer

Joseph Le NMLS # 529658 Executive Loan Officer, MortgageUSA LLC NMLS# 2225878 Licensed Realtor Century 21 – C Howard, 1522 Gull Rd, Kalamazoo, MI 49048

Our local office is independently owned and operated. None of the entities named below are parties to any offers, deals or contracts, oral or written, by users of this website or documents provided. We buy, sell and hold real estate with the intent to earn a profit. We are not a law firm, nor are we attorneys, CPA’s or Financial Planners and do not provide Legal or other advice. Seek the advice of those professionals should you need their services.

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Learn more about: Certified Affordable Housing Provider®