Montgomery County TX rent-to-own & owner-financed homes with no credit check

montgomery tx no credit check homes

If you are looking to buy in a housing market with a wide selection of homes near Houston, Montgomery County TX is the perfect choice for you. Montgomery has been one of the 25 fastest growing counties in the U.S. during the previous decade. The low cost of living and high quality of life are some of the reasons that draw families and individuals to this county. A high migration rate led to fast gratification and construction of new homes. If you are in the Montgomery housing market, you can easily buy new construction, single-family home on a tight budget. These factors become very advantageous for credit-challenged home buyers looking to buy a rent-to-own or owner-financed home in Montgomery TX.  

Here at Shop Owner Finance, we help families and individuals struggling with credit to realize their home ownership dream. You will learn how to buy any home of your choice in Montgomery with owner financing. Explore the Montgomery home listings below and tell us which home you would like to buy. We will get you started on your home buying journey regardless of your credit situation.

3773 Properties
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Housing Market

Median Listing Price


Average Days on Market

42 Days

Public Schools


Homes for Sale


Commute Times


65 Minutes

Medical Center

74 Minutes

Museum District

68 Minutes

Energy Corridor

72 Minutes

Montgomery County Appreciation Trends

Montgomery County Local Education

Top-Ranked Elementary Schools

SchoolRatingNeighborhoods/CitiesMedian Listing Price
Tough Elementary 10/10 The Woodlands/Sterling Ridge/Pinehurst $586,000
Bush Elementary 10/10 Conroe/The Woodlands/Shenandoah $395,000
Buckalew Elementary 9/10 Sterling Ridge/Panther Creek/Shenandoah $425,000

Top Middle Schools

SchoolRatingNeighborhoods/CitiesMedian Listing Price
McCullough Jr. High 9/10 The Woodlands/Panther Creek/ $385,000
Knox Jr. High 8/10 Panther Creek/Shenandoah/Spring $348,000
York Jr. High 7/10 The Woodlands/Panther Creek/New Caney $447,000

Top High Schools

SchoolRatingNeighborhoods/CitiesMedian Listing Price
The Woodlands High Schoo 8/10 The Woodlands/Panther Creek/Spring $457,000
Infinity Early College High School 8/10 Atascocita/Humble/Kingwood $350,000
Montgomery High School 7/10 Magnolia/Willis/Panorama Village $308,600

Discover the Best of Montgomery

Being the heart of Houston’s key cultural and recreational districts, Harris County offers more than its fair share of shopping, dining, recreation, and entertainment choices:


  • Fogo de Chão Brazilian Steakhouse
  • Phil’s Roadhouse and Grill
  • Prime Bistro Montgomery
  • Old Montgomery Steakhouse
  • Conroe Lake House


  • Naked Turtle Tavern
  • Shanahan’s Bar and Grill
  • Daiquiri Cabana
  • Mongos Ice House
  • Wister’s Bar & Grill


  • Texas Thrift Store
  • Waterpoint Shopping Center
  • Pine Hollow Shopping Center
  • Montgomery Plaza
  • Plaza at Lake Conroe

Leisure and Entertainment

  • Lone Star Community Center
  • Old Ironworks
  • Golf Club at La Torretta
  • Walden Racquet Club
  • Fernland Historical Park

Parks and Recreation

  • Lake Conroe
  • Jenkins Sunshine Farm
  • Brake Park
  • Memory Park
  • P-6 Farm


  • H-E-B
  • Kroger
  • Randall’s
  • Sprouts Farmers’ Market
  • Walmart Supercenter

Why buy rent-to-own or owner-financed home in Montgomery

Here are a few reasons why you should consider buying a home in Montgomery:

Affordable housing market with a wide selection of homes

You will find nearly 2000 homes listed for sale in the Montgomery housing market most weeks. This may be the perfect time to buy a home in Montgomery neighborhoods because after witnessing a steep rise in home prices over the past few years, the housing market has slowed down a bit for now. It might seem contradictory to buy in a buyer’s market, but this kind of market usually offers great opportunities to credit-challenged home buyers. Your precarious financial condition may push you to the sidelines when you are buying in a competitive market, but a buyer’s market makes it easier for you to purchase a home on your terms. This makes alternative financing options such as owner-financing and rent-to-own a good way of fulfilling your homeownership dream.

Thanks to the wide selection of homes, you can buy in any budget. The median home price in Montgomery is just $250,000.

Top-rated schools

One more reason for Montgomery is one of the most sought-after housing markets near Houston is the fact that it’s home to top-rated schools. There are many public and private schools. Some of them include:  

  • Montgomery Intermediate School
  • Montgomery Elementary School
  • Madeley Ranch Elementary School
  • Stewart Creek Elementary School
  • Montgomery J High School
  • Montgomery High School

High inbound migration

Home to over 600,000 people, Montgomery County draws families and individuals in large numbers. It is the 11th most populated county in Texas. About 80% of the residents report their race to be White, while there is also a large population of African American residents. The residents enjoy close social ties in Montgomery neighborhoods.

Almost 80% of the households are occupied by married couples. It means Montgomery is a good place to raise a family.

While about 80% of Montgomery County residents speak only English, about 20% speak other languages. Spanish is the second most prevalent language in the county spoken by about 16% of residents.

Popular Montgomery County cities, towns, and neighborhoods to buy a home


Considered as one of the fastest-growing Houston cities in 2021, Conroe offers a bold mix of housing affordability, high quality of life, and top-notch education. Conroe residents also get to enjoy a host of amenities from shopping malls, diners, restaurants, and bars to coffee shops, playgrounds, and parks.

Panorama Village

What started as a golfing community back in the 60s has now bloomed into one of the friendliest residential spaces for families. The peaceful vibe of Panorama Village is complemented by three municipal parks, a community pool, and a pavilion built around a 27-hole golf course from where it all started.


Offering a bit of country vibe and metropolitan life, Willis is an ideal spot for families looking to plant their roots in a new city. It’s ideal for those with kids because of the outstanding schools and a host of family-friendly activities to do in the area.


Located on the southwestern end of Montgomery, Magnolia offers a slice of small-town living without being dragged by the hustle and bustle of the big city. Startup families, empty nesters, and urban professionals alike are drawn to this quiet little city mainly because of its high quality of life.


Shenandoah’s excellent quality of life makes it one of Montgomery County’s hidden gems. At just 2 square miles, it’s also easy to get in and around the area even by economic rides such as bikes or scooters. The diverse selection of dining spots and shopping destinations is also what makes it attractive to homebuyers.

Other Areas to Buy Owner-Financed Homes in Montgomery County


Cleveland (Shared with Liberty County)

Cut and Shoot

Houston (Shared with Harris County)


Oak Ridge North

Patton Village





Roman Forest





Porter Heights

The Woodlands (Shared with Harris County)

Spring (Shared with Harris County)

Decker Prairie



Imperial Oaks

New Caney


River Plantation





How to buy a rent-to-own or owner-financed home in Montgomery County TX with bad credit

Buying a bad credit home in Montgomery County can be a wise financial move given the fact that the homes are affordable. There are many alternative financing options such as rent-to-own or owner financing are available these days.

The challenging part is to figure out how you can buy a home of your choice with these options. Well, here is some good news: owner financing makes it possible for you to buy any Montgomery County home you want – even a brand new one.

If you want to learn how to get in touch with us today!

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