Stop paying someone else's mortgage. The COHA Group's Pathway Home Program helps Polk County renters — even those with credit challenges — become homeowners in Central Florida.
The Pathway Home Program was built for people who thought homeownership was out of reach. If any of these sound like you, we can help.
Tired of rent increases with nothing to show for it? We'll show you how your monthly payment could be building equity instead.
Some loan options may consider credit scores around 580, while requirements vary by lender and program. We help buyers understand the next practical step.
Florida and local programs may offer down-payment or closing-cost assistance to eligible buyers when funding is available. We help you explore current options and connect with participating lenders.
Eligible workers may qualify for Florida Hometown Heroes when funding is open. Occupations, limits, terms and availability can change by program cycle.
Not quite ready for a traditional mortgage? Our rent-to-own pathways let you move in now and buy when you're ready.
Never bought before? Perfect. We walk you through every step from pre-qualification to the day you get your keys.
We guide you through every step so there are no surprises — just a clear road from where you are to where you want to be.
We review your current situation, goals, and budget — completely free. No pressure, no obligation.
We help you explore current assistance and financing options that may fit your situation, then connect you with participating lenders who determine eligibility.
Our lending partners work with all credit profiles. We'll match you with the right lender for your specific situation.
Browse homes across Polk County — Winter Haven, Lakeland, Auburndale, Haines City, and more — within your budget.
We handle the paperwork, negotiations, and logistics so you can focus on planning your move-in day.
We combine multiple programs and resources to maximize what's available to you.
Program availability, funding levels and eligibility change by program year. Nothing here is a commitment of financing or a guarantee of approval. Equal Housing Opportunity.
"I had been renting in Winter Haven for 8 years and thought I'd never qualify. Chad's team found me a down payment grant and I closed in 45 days. I still can't believe I own my home."
"As a nurse, I qualified for Hometown Heroes and got $25,000 toward my down payment. The COHA Group walked me through every step. I moved into my Lakeland home last spring."
"My credit was 591 and I had no savings. They started me on a rent-to-own in Auburndale, helped me rebuild my credit, and 18 months later I officially own my house. Life-changing."
A free 15-minute call could change everything. We'll help you identify which paths may be worth exploring and what your next step should be — no obligation.
Prefer to just talk it through? Call and you'll get a straight answer about where you stand — not a pitch.
You don't have to wait until you're approved to start shopping. Set up your search now — we'll send new listings as they hit the market so you know exactly what your money buys by the time you're ready.
