Brazoria County TX rent-to-own & owner financed home with no credit check

Brazoria county tx rent-to-own homes

Home to nearly 400,000 people, Brazoria County TX is one of the most desirable housing markets for people looking to buy rent-to-own or owner financed homes with no credit check. A strong real estate market has led to a housing boom in Brazoria County over the past couple of years and this makes its cities and neighborhoods a sought-after destination for families and individuals struggling with credit. Owner financing enables them to buy with no credit check or income verification and once their credit score is good enough (owner financing payments are reported to credit bureaus so it helps them build credit), they can refinance with a conventional lender.

If you are looking to buy a rent-to-own or owner financed home in Brazoria County, explore the home listings below and fill out the form on the property listing page. Alternatively, you can browse all the Brazoria home listings by clicking here. A qualified realtor from Shop Owner Finance will guide you through the process of buying a home in Brazoria with bad credit.

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

As a credit-challenged home buyer, you need to be more careful than a regular buyer when purchasing a home. A misstep can further damage your credit situation. Buying a home in Brazoria County could be a good move in your situation. Here are some of the reasons why you should consider investing in a home here:

Strong real estate market

 Brazoria County is one of the most desirable housing markets near Houston. It is for this reason that while most counties have recorded a slowdown in home sales recently, Brazoria County is experiencing strong demand from home buyers. The home values have increased by over 3% over the past 12 months. They will likely continue to rise this year also. Investing in a booming housing market may be a good financial move, particularly when you are struggling with credit. You will find it easier to refinance with a conventional lender when you have improved your credit score with regular owner financing payments.

Affordability and a wide selection of homes

Despite being a competitive housing market, homes are comparatively affordable in Brazoria County. The median home value is about $250,000. An affordable housing market is an ideal choice for credit-challenged home buyers because you might need a reasonably high down payment when buying a Brazoria home with owner financing or other alternative financing options. For example, we – here at Shop Owner Finance – recommend that you put anywhere between 15% and 20% when buying an owner-financed home.

There are 33 cities in Brazoria County and you will find over 3000 homes listed for sale most weeks. It means that you have a lot of choices when looking for a home in Brazoria County neighborhoods. You can easily find a home within your budget.

According to, Brazoria County is a balanced housing market. What it basically means is that you won’t necessarily face competition when you are in the market looking for a home within your budget.

Strong job market

One of the reasons for Brazoria County cities being popular among professionals is that it’s easy to find jobs in a variety of industries here including manufacturing, healthcare, education, mining, and oil and gas extraction.

The jobs pay well as the median household income here is about $85,000.


People from all walks of life, race, ethnic and religious backgrounds call Brazoria County their home. While about 45 percent of the residents report their race to be White, nearly 30 percent of residents are Hispanic or Latino. Almost 13 percent of the residents are foreign-born. Diversity helps you develop social ties quickly.  

Top-rated schools

Brazoria County features many top-rated schools, making it an ideal destination for families raising kids. Here are some top-rated elementary, middle, and higher schools in Brazoria County:

Elementary Schools

  • Magnolia Elementary School
  • Silvercrest Elementary School
  • Glenn York Elementary School
  • Silverlake Elementary School
  • Shadycrest Elementary School
  • Bess Brannen Elementary School
  • Don Jeter Elementary School
  • Mary Burks Marek Elementary School
  • Laura Ingalls Wilder
  • Rustic Oak Elementary School

Middle Schools

  • Berry Miller J High School
  • Rogers Middle School
  • Sam Jamison Middle School
  • Pearland J H West
  • Pearland J H East
  • Alexander Middle School
  • Nolan Ryan J High School
  • Leon High Sablatura Middle School
  • Pearland J H South
  • Danbury Middle School

High Schools

  • Glenda Dawson High School
  • Robert Turner College And Career High School
  • Pearland High School

Brazoria County cities and neighborhoods for buying an owner-financed home

Here are some of the cities popular among home buyers looking to buy rent-to-own or owner financed home with bad credit:


A city that works hard to maintain its small-town charm, Angleton offers a wide range of residential properties that cost anywhere between $150,000 to $1,000,000. In its effort to keep its neighborhoods’ pristine beauty, the city maintains excellent education while implementing well-rounded programs to keep litter to a minimum  

West Columbia

The Spanish Moss Oak Trees, huge pecan trees, and the beautiful Brazos make West Columbia one of the most scenic places Brazoria has to offer. Locals here get to enjoy the taste of small-town living while enjoying easy access to big city conveniences.

Lake Jackson

The city of Lake Jackson, with its moniker as the City of Enchantment, offers residents a connection to fresh nature through its abundance of oak trees. Its location in the heart of southern Brazoria also provides convenient access to big-city amenities while preserving its small-town vibe.


The city of Manvel offers a small-town retreat from downtown Houston thanks to its tree-lined streets, luscious greenery, and huge-lotted homes. It’s quite popular among first-timers and families because of its diverse shopping options, vibrant nightlife, and top-rated schools.


Ranked by several surveys and studies as one of the top suburbs in America, Pearland neighborhoods are known for their top-performing schools and world-class amenities including golf courses, pools, and playgrounds, green space as well easy access to downtown Houston.

Other Areas to Buy Owner-Financed Homes in Brazoria County




Sandy Point


Iowa Colony

Surfside Beach

Brookside Village




Oyster Creek






Towns and Communities

Holiday Lakes




Balley’s Prairie



Jones Creek





Wild Peach Village




China Grove

Chocolate Bayou


East Columbia




Old Ocean


Ryan Acres

Silver Lake


Turtle Cove


How to buy rent-to-own or owner financed home in Brazoria County

Buying a rent-to-own or owner-financed home in Brazoria County is a good option if you are unable to secure a mortgage from a conventional lender. Here at Shop Owner Finance, we can help you learn how to buy any Brazoria County home you want with owner financing. You don’t need to have a stellar credit score or document your income when exploring this option. Get in touch with us today to know more!

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