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

harris county homes tx rent to own

Home to over 450,000 residents, Harris County is the most populous county in Texas. While the population growth over the past two decades has fuelled the demand for housing in Harris County TX, you will find over 25,000 homes listed for sale most weeks here. It means that the county offers a wide variety of home buying options and is a popular housing market near Houston. It is particularly popular among credit challenged individuals and families looking to buy a home with no credit check because most Harris County neighborhoods are affordable. The median home price hovers around $280,000.

Harris County is home to about 1,200,000 residential properties. A mature housing market offers credit challenged home buyers enough opportunities to fulfill their home ownership dream through alternative financing options such as rent-to-own or owner financing. If you are struggling with credit, a rent-to-own home or an owner finance home is the best option for you.

You can start your home buying journey (regardless of your credit situation) by exploring a few of the Harris County home listings below. You can also access our free MLS home search function by clicking here.

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Why to buy a no-credit-check home in Harris County TX

Here are some of the reasons why you should consider buying a home in Harris County TX:


Harris County draws a lot of credit challenged homes buyers because homes are comparatively affordable. Regardless of your budget, you can easily find a home in a location that suits your lifestyle and needs.  Some recent studies claim that it is comparatively easier for average wage workers to afford a home.

Top performing School Districts

One of the reasons Harris County is a popular destination for families is that it is home to top performing school districts. Here is the list of school districts in Harris County:

  • Aldine Independent School District
  • Alief Independent School District
  • Barbers Hill Independent School District
  • Channelview Independent School District
  • Crosby Independent School District
  • Cypress-Fairbanks Independent School District
  • Deer Park Independent School District
  • Galena Park Independent School District
  • Goose Creek Consolidated Independent School District
  • Houston Independent School District
  • Huffman Independent School District
  • Humble Independent School District
  • Klein Independent School District
  • La Porte Independent School District
  • New Caney
  • North Forest Independent School District
  • Pasadena Independent School District
  • Sheldon Independent School District
  • Spring Branch Independent School District
  • Spring Independent School District
  • Tomball Independent School District

A wide range of home buying options

Most neighborhoods are made up of single family homes. It makes Harris County an ideal place to buy a home for families who can’t obtain a mortgage from a conventional lender. However, you have a wide range home buying options such as townhomes and semi-detached homes.


Most cities, towns and neighborhoods in Harris County feature world class amenities and recreation centers such as public parks, playgrounds, community swimming pools, restaurants, malls, bike and hike trails and sport facilities.

Popular Harris County neighborhoods and cities

  • Kingwood           
  • Greater Third Ward
  • University Place               
  • Washington Avenue Coalition/Memorial Park
  • Braeswood        
  • Neartown-Montrose
  • Westbranch      
  • Midtown
  • Lake Houston   
  • Downtown
  • Afton Oaks/ River Oaks
  • Museum Park
  • Addicks Park Ten             
  • Astrodome Area
  • Memorial           
  • MacGregor
  • Meyerland         
  • Mid West
  • Medical Center
  • Fourth Ward
  • Pasadena
  • La Porte

Harris County real estate at a glance

Harris County homes have been appreciating in value for the past few years. Demand and supply imbalance and a strong job growth have put home sellers in the driver’s seat. It means that if you buy a home when the market is still affordable you will likely realize a good return on your investment. Most neighborhoods are going through gratification in Harris County, making them desirable for professionals as well as families.

How to buy rent-to-own or owner finance homes in Harris County

The first step is to determine which Harris County city, town or neighborhood you want to buy a home in. It depends on how close you want live to your work place, your lifestyle, budget and requirements. We will help you zero in on a home that meets all your requirements. A qualified realtor will be assigned to you who will help you throughout your home buying journey at no cost to you.

Having a bad or non-existent credit won’t be an obstacle because we will help you learn how you can any Harris County home with owner financing. On top of that, owner financing enables you to buy with terms more or less similar to a conventional mortgage. If you have saved enough for a down payment, you are all set.

Interested in learning more about our real estate broker service specializing in working with credit-challenged home buyers? Fill out the form below or set an appointment today!

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