Home Ownership is Finally Within Your Reach
Have you been declined for a home loan due to credit issues, but have a stable work and rental history? The OptionPlus Homes, Inc. Rent-to-Own program has placed hundreds of people like you in their dream home while they prepared for the purchase. Stop throwing your rent money away and walk down the path to home ownership..

Rent-to-Own Partners You Can Trust
The #1 mistake made by families in your situation is to Rent-to-Own a home from a private party or a fly-by-night real estate investor. Why not choose the Rent-to-Own company with the highest Better Business Bureau customer satisfaction rating?

"I loved working with OptionPlus because there is more to me than my low credit score, but nobody else could see past that."
- Mary, Folsom

More Reasons to Choose OptionPlus Homes, Inc.

• Reliable. If our representitive feels that Rent-to-Own isn't the best option for you at this point, we promise to be up front and tell you. If you don't succeed in our program, we don't succeed either.
• Simple. Have you tried to buy a home before? It is a nightmare! Mountains of paperwork, month-long delays... We can place you in a home tomorrow.
• Affordable. The cost to move into our rent-to-own houses is only slightly more than you would pay to move into a rental, and the monthly payments are considerably lower than a mortgage payment.
• Flexible. You can either choose a home from our inventory or find your own property in the neighborhood you want and we'll try and acquire it.

Contact Us now and tell us what you are looking for. We can probably help.

Q. How does OptionPlus Homes help me become a homeowner?

A. OptionPlus Homes makes it easy to become a homeowner in many ways: First, we make it easy to get into one of our homes with a low down payment and no bank qualifying. Second, we lock in a low price so you can build equity before you buy. Third, we contribute between $13,500 and $16,000 towards your down payment when you decide to complete the purchase. Fourth, we offer expert credit repair advise to our buyers.

Q. Don't I need to save up more money for a down payment before I can purchase a home?

A. Our Rent-to-Own program gives you money towards your down payment every time you pay your rent. Most of our homes have a $400 per month credit, which is $9,600 at the end of our 2 year program just for paying your rent. We also credit your entire deposit towards your down payment.

Q. Don't I need to improve my credit before I can purchase a home?

A. Bad credit can keep you from getting a home loan, and even if you do get approved, the rates can be so high that making payments is difficult. Don’t worry, just get to work on improving your credit after you move into your OptionPlus Homes, Inc. Rent-to-Own home. We frequently approve applicants who have terrible credit, because we look at your whole financial situation. We do this because we know that you are serious about owning the home someday and will work hard to improve your credit to get you the best possible terms when you buy. We will recommend lenders who believe in our program and we will create a credit improvement plan for you. Most importantly, we lock in the purchase price when you move in, so prices won’t climb out of your reach if the next boom cycle comes while you are working on repairing your credit.

Q. How do you determine if I qualify for your rent-to-own program?

A. OptionPlus Homes, Inc. looks at your whole situation to determine acceptance. We encourage you to apply even if you have major credit issues, including foreclosure or bankruptcy.

Q. Do we need to wait the full lease term before we purchase?

A. No, your Rent-to-Own option contract guarantees you the right to purchase any time during the lease term. We have had more than one tenant/buyer purchase within 3 months of moving into the property.

Q. What are Rent Credits?

A. Rent Credits is a big part of how we help you save up for a down payment when you purchase. A portion of your rent payment (typically $400) will be applied to your purchase price. Most lenders will even allow your rent credits to be applied to your down payment.

Q. The main reason I want to buy a home is to build up equity when the market appreciates. Will your rent-to-own program allow me to build equity?

A. Yes. The purchase price will be locked in, so you will be building equity when prices start to rise before you even purchase the home. If you don't either purchase a home or move into one of our homes, you might miss out on the next boom cycle completely! You need a new approach. Contact us today and put an end to the frustrating cycle of waiting and missing out.

Q. What are my options if I cannot qualify for the loan at the end of the rent-to-own option period?

A. You may sell the property and keep the profits if the home has appreciated beyond the contract purchase price. There are multiple ways of accomplishing this and we will recommend title companies who are experienced in these transactions. Of course you may also simply move out with no penalties at the end of your lease term with no further commitments. It's your choice.