A Smarter Approach to Home Affordability With Garman Pathways™

Affordability does not look the way it did even a few years ago. Higher interest rates, rising costs and constant economic noise have caused many buyers to pause. Not because they don’t want to buy, but because they want to buy smart.

We see that every day. At Garman Builders, we believe the answer is not pressure, gimmicks or rushed decisions. It is responsibility, flexibility and giving buyers more control over how affordability works for them.

That belief led us to create Garman Pathways™ to Homeownership, a builder-led affordability program designed around how people actually buy homes today.

Not one-size-fits-all.
Not fine print first.
Just smarter ways forward.

One Program. Two Paths.

Garman Pathways™ is built on a simple idea. Different buyers face different challenges and they deserve solutions that respect that.

Whether you are buying your first home or moving up to your next one, Pathways offers options designed to reduce stress, lower barriers and help you move forward with confidence.

Pathways | SmartStart™

A Responsible Way In for First-Time Buyers

Buying your first home should feel exciting. It should not feel overwhelming or risky or confusing.

SmartStart™ was created specifically for buyers in our townhome and multi-family communities. It focuses on predictable payments, lower upfront costs and flexibility as your finances grow and change.

Honestly, it is about easing into homeownership without forcing a leap that feels too big.

Why SmartStart™ Works

• Designed to help keep monthly payments manageable
• Lower upfront cash required to get started
• Built-in flexibility if rates change
• A thoughtful first step, not a leap

SmartStart™ Communities

• Autumn Chase Townhomes in Mechanicsburg
• Candler’s Pointe in Annville
• Morgan’s Crossing in Carlisle
• The Reserve at North Cornwall in North Cornwall
• Creek Terrace in Carlisle

Pathways | Flex Advantage™

Affordability on Your Terms

Some buyers are not starting out. They are moving up, rethinking space or planning ahead. Those buyers need choice and protection, especially in a shifting rate environment.

Flex Advantage™ is built for buyers who want flexibility without being boxed into a single solution. It allows savings to be applied strategically based on what matters most right now and what may matter later.

Why Flex Advantage™ Works

• Flexibility to apply savings where they matter most
• Options to reduce payments, upfront costs or both
• Protection if rates improve
• Designed for long-term confidence, not short-term wins

Flex Advantage™ New Construction Communities

• Southgate in Annville
• Forgedale in Carlisle
• Hays Landing in Carlisle
• Porches of Allenberry in Boiling Springs
• Autumn Chase in Mechanicsburg
• Rockville in Marysville
• Meadowbrook Farms in Carlisle

A Builder-Led Approach to Affordability

What truly sets Garman Pathways™ apart is that it is builder-led, not reactionary. We did not create this program to chase headlines or short-term attention. We built it to help buyers make decisions they can feel good about today and in years to come.

We think affordability should adapt to real life. Careers change. Rates change. Goals change. A home purchase should be able to flex with that reality rather than fight it.

Find Your Path Forward

Whether you are just getting started or preparing for your next chapter, there is a Garman Pathways™ option designed with you in mind.

If you are ready to explore available homes or talk through which path fits your goals, our sales team is here to help with a no-obligation appointment and clear answers you can trust.