Option to Own

If you have lost your home to foreclosure, or are wondering how you will ever be able to own your own home, the ”Bounce Back to Home Ownership: Option to Own” program is the opportunity to gain confidence in making long-term, financial decisions.

Led by the VHB Housing Coaches, the core of this program is an extensive financial education. Option To Own participants develop a plan that allows them to live in their future home for three to five years as they repair their credit, save for a down payment, and plan a household budget that will help sustain a home. At the end of the program, participants should be ready to purchase the home.

To be eligible for the Option To Own program, participants cannot currently own a home and income must not exceed 80% of San Joaquin County Area Median Income limits.

Classes are taught by HUD Certified Housing Coaches

Bounce Back to Home Ownership


Step 1

After you’ve completed the class, make an appointment with one of our housing coaches to discuss your options, followed by developing a plan for success.

Step 2

Register for our class by downloading the application name VHB Homeownership & Rental Center Program.  Return the completed form to Visionary Home Builders, along with the class fee of $50 per person, in the form of a money order, payable to Visionary Home Builders of California, Inc. A separate fee of $18.40, also in the form of a money order, is required to cover the credit report fee.

Step 4

Download the application named Certificate Request Form and have your lender request a Certificate of Completion.

Step 3

You will explore home loans, down payment assistance options and develop a plan to reach your financial goals.  You will have regular communication with your coach from the beginning of the process to the day you receive your keys!

Forms & Flyers

Bounce Back to Homeownership: Option to Own Program

Programa para opción de comprar casa


Your local non-profit developer


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CalBRE #: 01884056