Cedar Creek, TX Owner-Financed & Rent-to-Own Homes (No Credit)


Cedar Creek traces its roots back to 1832 and continues to thrive thanks to its central location between the cities of Austin and Bastrop. Cedar Creek’s rich history has become a driving force behind the community’s continued development. Cedar Creek offers easy access to Highway 71 and Loop 130. 

You will find about 50 homes listed for sale here most weeks. Despite a large selection of homes for sale on the market, credit-challenged borrowers have to seek out alternative financing arrangements to buy their dream homes. If you’re in such a situation, you may consider exploring third-party owner-financing in Cedar Creek or anywhere in the 78612 zip code area. This arrangement allows you to any single-family home without credit or income verifications.

This guide will help you learn how to leverage owner-financing to make your dream of owning a home here a reality regardless of your credit situation:

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Why Buy an Owner-financed Home in Cedar Creek, TX (78612)?

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

  • The Cedar Creek housing market offers affordable homes in the area with a median listing price of $400,000.
  • Usually, there are 50 homes listed on the market, leaving homebuyers plenty of options that complement the scenic hill country landscape, including ones fitted with eco-smart features.
  • Easy access to Loop 130 and Highway 71 provides convenient routes to downtown Austin as well as the Austin-Bergstrom International Airport.
  • Cedar Creek has its own fair share of outdoor recreational spaces including the famed McKinney Roughs Nature Park, the Lost Pines Hyatt, and Lake Bastrop.
  • Locals also get to enjoy a host of shops and restaurants within Bastrop’s historic main street.


Most Popular Cedar Creek Neighborhoods for Owner-Financed Homes

River Crossing

Located just 15 miles from the famous Austin-Bergstrom International Airport, River Crossing offers a tiny enclave that’s ideal for those who love to travel for business or leisure. Its border with the Colorado River to the North offers quick access to waterfront attractions without going too far.

Cottontop Hills

If you’re looking to experience the Hill Country in all its visual grandeur, Cottontop Hills offers the rich ambiance of the surroundings at affordable price points. It’s right beside the massive McKinney Roughs Nature Park so locals can enjoy all the lush greenery and the soothing trees straight from their backyard.

Colorado River Ranchettes

The unique location of Colorado River Ranchettes lets residents enjoy the best of Cedar Creek within a few minutes of driving or biking. This established neighborhood offers some of the most affordable vintage homes that can be renovated, remodeled, or remade to suit your level of coziness.

Other Areas to Buy Owner-Financed Homes in Cedar Creek

Cedar Creek Estate

The Forest At Colorado Crossing

Wyldwood Estate

Persimmon Hills South

Fawn Ridge

Oak Ridge Estates

Bastrop County West


South Ridge Estates

Deer Run


Elm Ridge

Enchanted Rock

Persimmon Hills North

River Oaks

Bluebonnet Acres

Rocking S Estates

Rolling Oaks

Double Eagle Ranch

West Ridge

Colorado River Estates

How to Buy an Owner-financed Home in Cedar Creek (78612)

Aspiring homebuyers struggling to get loan approvals can leverage third-party owner financing to get any single-family home of their choice. Like a bank-approved buyer, you get a 30-year amortization period, an opportunity to refinance with a conventional lender without pre-payment penalties, and a smart way to rebuild your credit over time so you can qualify for a conventional loan.

You can learn more about owner financing by setting an appointment with us today.

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