Pathway to PurchaseNot Quite Ready toBuy? You May NotHave to Wait to Move.
Cedar & Sage's Pathway to Purchase program may allow qualified buyers to move into an eligible new home now while working toward mortgage approval.
In partnership with
Three things the Pathway may make possible
Move In Now While Getting Approved
Qualified participants may be able to occupy an eligible Cedar & Sage home before their purchase closing.
Work Toward Closing
Synergy One Lending helps determine whether you have a reasonable path to mortgage approval within six months.
Receive Closing-Cost Credit
When the purchase closes successfully, an agreed portion of monthly rent may be credited toward allowable prepaid expenses and closing costs.
Pathway to Purchase may be worth exploring if you:
- Want to own a new home but need a few months before closing
- Are currently renting and want to explore homeownership
- Recently changed employment or need additional documentation
- Need time to complete a lender-directed mortgage-readiness plan
- Are ready to select a home and intend to purchase within six months
Four steps, starting with a conversation
Explore your options
Tell us where and when you would like to move.
Speak with Cedar & Sage
A sales consultant helps identify eligible homes and understand your goals.
Complete a Synergy One review
The preferred lender determines whether you qualify now or have a reasonable path to closing within six months.
Purchase now or enter the Pathway
Mortgage-ready buyers can proceed directly to purchase. Qualified Pathway participants may move in before their scheduled closing.
A look at homes that may qualify
Pathway eligibility is limited to select finished or nearly finished homes and is confirmed home by home.
Pending
6905 E Bonsall St.
Woven Townhomes
2-PLEX
Active
5089 S Boven Ave
Woven Townhomes
5-PLEX
Pending
6917 E Bonsall St.
Woven Townhomes
2-PLEX
Active
8246 W Mocha Ln
Coffey Townhomes
Galao 6-PLEX
Coming Soon
8260 W Mocha Ln
Coffey Townhomes
Galao 6-PLEX
Coming Soon
8364 W. Mocha Lane
Coffey Townhomes
Cortado 4-PLEX
Active
8273 W. Latte Lane
Coffey Townhomes
Cortado 6-PLEX
Pending
4518 W Santa Fe Drive
Aviation Townhomes
Summit
Homes shown are examples of current inventory and are not necessarily reserved for the program. Availability, pricing, and Pathway eligibility may change without notice.
How the credit could work
A simplified example. Your home, rent, credit, and earnest money are established for your specific transaction.
| Home purchase price | $470,000 |
|---|---|
| Monthly rent | $3,000 |
| Potential monthly closing-cost credit | $800 |
| Potential credit after six months | $4,800 |
| Example earnest money | $4,700 |
Could Pathway toPurchase Work for You?
Complete this short form, and a Cedar & Sage representative will contact you to discuss your options. This is not a mortgage application.
Prefer to talk? Call (541) 519 1577 and ask for the Pathway team. For more information about a property, give the Cedar and Sage team a call at (208) 495-4167.
Tell us a little about your move
By submitting, you agree that Cedar & Sage Homes and its designated partners may contact you regarding available homes and financing options. Submitting this form does not guarantee program eligibility, mortgage approval, or the availability of a particular home.
Bryson Smith
- Cell: (541) 519 1577
- Email: bsmith@s1l.com
- 2025 E. Riverside Dr., Suite 240, Eagle, ID 83616
Frequently asked questions
No. Pathway to Purchase is a short-term bridge for buyers who intend to purchase a specific Cedar & Sage home, generally within six months, and who have been reviewed by our preferred lender. It is not an open-ended rent-to-own arrangement, and it is offered only on select homes.
Your Path to a NewHome May Be CloserThan You Think
Find out whether you can purchase now or whether Pathway to Purchase may provide a bridge to closing.