Denison, TX owner-financed & rent-to-own homes (no credit)

Denison no credit check homes

Denison is 75 miles north of Dallas and 4 miles south of the Oklahoma/Texas state line. It sits right next to Sherman and it's less than an hour away from Paris, Gainesville, and Frisco. The locals enjoy a pleasantly sloping and forested landscape that runs northward to the Red River and Lake Texoma's shoreline. Denison is a delightful community with plenty of things to see and do that are far apart from the rush and bustle of large city life. 

Families with growing children want to reside in Denison or anywhere within the 75020 and 75021 zip code areas, but due to poor credit, not all of them are bank-approved buyers—this is where house owner-financing comes in to help. This arrangement eliminates the need for a credit check or proof of income while still allowing you to look at all of the homes for sale.

In this guide, you will have free access to all the homes listed for sale in Denison. You will also learn how you can buy any of these homes with owner financing.

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Information is deemed reliable, but is not guaranteed accurate by the MLS or NTREIS. The information being provided is for the consumer's personal, non-commercial use, and may not be reproduced, redistributed or used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Real estate listings held by brokerage firms other than TL Global are marked with the NTREIS IDX logo and information about them includes the name of the listing brokerage.

NTREIS data last updated April 17, 2024.

Why Buy an Owner-Financed Home in Denison, TX (75020, 75021)?

The following Denison real estate market overview will help you decide if the city is the right home buying destination for you and your family:

  • The median listing price is around $237K with an inventory of 200-300 homes for sale ranging from $150K to $3.4M.
  • The homes usually sell after an average of 20 days but since Denison is a balanced market, meaning there are just enough homes in the inventory for the number of people looking to buy.
  • Dwight D. Eisenhower, the 34th president of the United States, was born in a humble two-story Denison home that his family leased while his father worked for the railroad. Today, the residence serves as the focal point of the Eisenhower Birthplace State Historic Site, a museum dedicated to Eisenhower's achievements during WWII and throughout his administration.
  • You can further explore Denison’s history in The Red River Railroad Museum located downtown— it is filled with thousands of rail-related artifacts, rows of display cases and photographs, books, maps, and the history of Denison and surrounding areas.
  • At the Homestead Winery in Denison's historic downtown, you enjoy a glass of award-winning wine. The winery's tasting area is housed in an art deco-styled structure from the 1920s that also includes an art gallery and an Italian restaurant. The tasting facility, which is open every day except Sunday, sells wine samples and bottles, as well as racks and other accessories.

Best Places to Buy a Home Near Denison

How to buy no credit home in Denison with owner financing (75020, 75021)    

If you are unable to qualify for a standard home loan due to non-verifiable income, bad credit, self-employment, foreign nationality, or any other reason, you may be looking for a no credit check property in Denison. While there are numerous programs including rent to own in Denison that provide this, third-party seller financing allows you to buy whatever property you choose without having to worry about your credit.

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