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

Known for its quaint little towns, greenery, and top-rated schools, Ellis County features some of the most sought-after housing markets in Texas. There are plenty of parks and green spaces. Residents enjoy outdoor activities. One of the reasons the cities in Ellis are so popular among first-time buyers and families is that the homes are affordable, while the cost of living is comparatively lower. You can easily find a beautiful single-family home listed for $300K or less.

If you are planning to buy a home in an Ellis County city, but not able to take the plunge because your mortgage application has been turned down by conventional lenders, we can help you learn about a unique third-party owner-financing program. This system is different from other alternative financing options such as owner-to-owner and rent-to-own. You can buy with no credit check or income verification.

In this guide, you will get free access to all the homes listed for sale in Ellis County. You will also learn how to 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 Creative TLC Realty, LLC are marked with the NTREIS IDX logo and information about them includes the name of the listing brokerage.

NTREIS data last updated May 10, 2021.

Best Places to Buy a Home in Ellis County, TX

Waxahachie (75165, 76065, 75167, 75168 zip codes)

Real estate market overview

  • Median listing price: $330K-$340K
  • Average number of homes for sale: 300-350 homes
  • Days on the market:  40-50 days
  • Public schools: 14

 

Red Oak (75125, 75152, 75154 zip codes)

Real estate market overview

  • Median listing price: $270K-$280K
  • Average number of homes for sale: 80-100 homes
  • Days on the market: 40-45 days
  • Public schools: 14

 

Italy (76651 zip code)

Real estate market overview

  • Median listing price: $245K - $255K
  • Average number of homes for sale: 15-20 homes
  • Days on the market: 50-60 days
  • Public schools: 3

 

Forreston (76041 zip code)

Real estate market overview

  • Average number of homes for sale: 1-3 homes
  • Public schools: 6

 

Garrett (75119 zip code)

Real estate market overview

  • Average number of homes for sale: 2-3 homes
  • Public schools: 6

 

Midlothian (76065 zip code)

Real estate market overview

  • Median listing price: $370K-$380K
  • Average number of homes for sale: 250-300 homes 
  • Days on the market: 45-50 days
  • Public schools: 12

 

Palmer (75152 zip code)

Real estate market overview

  • Median listing price: $245K-$255K
  • Average number of homes for sale: 20-40 homes 
  • Days on the market: 60-70 days
  • Public schools: 4

 

Bardwell (75101 zip code)

Real estate market overview

  • Public schools: 6

 

Milford (76670 zip code)

Real estate market overview

  • Median listing price: $285K-$295K
  • Average number of homes for sale: 3-8 homes 
  • Days on the market: 80-100 days
  • Public schools: 3

 

Alma (75119 zip code)

Real estate market overview

  • Public schools: 6

 

Ennis (75119, 75120, 75152, 75165 zip code)

Real estate market overview

  • Median listing price: $255K-$265K
  • Average number of homes for sale: 80-100 homes
  • Days on the market: 50-60 days
  • Public schools: 8

 

Maypearl (76064 zip code)

Real estate market overview

  • Median listing price: $330K-$340K
  • Average number of homes for sale: 15-20 homes 
  • Days on the market: 50-60 days
  • Public schools: 3

 

Oak Leaf (75154 zip code)

Real estate market overview

  • Median listing price: 4$00K-$10K
  • Average number of homes for sale: 3-5 homes
  • Public schools: 3

 

Pecan Hill (75154 zip code)

Real estate market overview

  • Average number of homes for sale: 5-6 homes
  • Public schools: 6

 

Bristol (75119 zip code)

Real estate market overview

  • Median listing price: $375K-$385K
  • Public schools: 12

Why Buy an Owner-financed Home in Ellis County with No Credit Check

Here are a few reasons why you should consider buying a home in Ellis County, TX:

  • Located just 30 miles south of Dallas, Ellis County is now beyond being an agriculture center. Spread over nearly 1000 miles and home to about 180,000 residents from diverse cultural and ethnic backgrounds, the Ellis County cities are known for upscale, country living. You will love the small-town feel with easy access to amenities. The crime rate is low in most parts of the county.
  • Waxahachie – the county seat – has been rated as one of the best places to live in Texas. Most areas feature lots of parks and public green spaces. Most towns of the county have both historic and modern sides. Lake Waxahachie and Getzendaner Park are popular landmarks among families. You will also love the community spirit. The residents are friendly. Community events are organized on a regular basis. This offers new residents great opportunities to develop social ties.
  • You will find 700-900 homes listed for sale here most weeks. A wide selection of homes helps you find a home within your budget.
  • The median listing price ranges from $310K-$320K, but you can easily find a home that is listed for $250K or less. The high housing affordability makes Ellis very popular among first-time buyers and budget-conscious families.
  • Homes in Ellis County are zoned to 67 public and many private schools. Larue Miller Elementary, Irvin Elementary, Travis Elementary, Mount Peak Elementary, Walnut Grove Middle, Red Oak Middle, Frank Seale Middle, Waxahachie Global High, Midlothian Heritage High, and Maypearl High School are some of the most notable public schools that serve Ellis County.

How to Buy an Owner-financed Home in Ellis County

Going by the current state of the real estate market, the Ellis County homes stay 45 or fewer days on the market. The competition is really tough. Many homes in desirable neighborhoods get multiple offers. In such a scenario, being turned down by banks for a loan can make buying a home in Ellis County very challenging. But before you give up your homeownership dream, you should learn about a unique third-party owner financing program. A licensed Realtor will help you buy any single-family home of your choice (listed on the market) with no credit check or income verification. You can pay the loan over 30 years and there are no pre-payment or balloon payment conditions.

Interested in learning more? Set an appointment today!

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