McKinney, TX No Credit Check, Owner-financed, Rent-to-Own Homes

Famous for its breweries, recreational areas, and family-friendly amenities, McKinney is a sought-after housing market in Collin County. Though the median listing price hovers around $370K, a wide selection of homes makes it possible for buyers to find a single-family residential property within their budget. You will find about 700-800 homes listed for sale here most weeks. If you love the outdoors, you will find McKinney attractive. Clean streets, parks, playgrounds, golf courses, lakes, public recreational areas, and plenty of walking trails make this city a go-to destination for Princeton, Allen, and Prosper as well.

We believe that you can buy any single-family home of your choice regardless of your credit situation in McKinney. So, if banks have turned down your mortgage application, we can help you learn about a unique third-party owner financing program in McKinney or anywhere in its 75069, 75070, 75071, and 75072 zip code areas. This arrangement enables you to buy any home with no credit check or income verification. Unlike other programs such as rent-to-own or owner-to-owner, you don’t feel constrained by the lack of inventory. There is no pressure to pay your loan early and there are no balloon payments.

In this guide, you will have free access to all the homes listed for sale in McKinney. 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 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 12, 2024.

Why Buy a No Credit Check Home in McKinney, TX (75069, 75070, 75071, 75072)

Here is an overview of the McKinney real estate market. Take these data and features into consideration when deciding if it’s the right market for you to buy a home in:

  • The median listing price is $370K
  • You will find about 700-800 homes listed for sale here most weeks
  • Homes in desirable neighborhoods stay 40 or fewer days on the market
  • There are 56 schools serving the city. Kerr Elementary, Robert L Puster Elementary, John A Baker, Glen Oaks Elementary, Imagine International Academy Of N, Jim and Betty Hughes El, Comstock Elementary, Scott Elementary, Lorene Rogers Middle, Dr. Jack Cockrill Middle, Walter & Lois Curtis Middle, Faubion Middle, Dowell Middle, Allen High, Prosper High, Heritage High, McKinney North High, Liberty High, and Independence High are some of the most notable public schools zoned to McKinney homes.
  • Head to Main Street if you are planning to go shopping or enjoy a variety of cuisines at famous restaurants and diners here.  McKinney is also famous for brewing companies and wineries. Franconia Brewing Company, Lone Star Wine Cellars, Tupps Brewery, and Mitas Hill Vineyard and Winery are some of the most famous places to visit in the city.
  • Towne Lake Recreational Area is a landmark very popular among those looking for outdoor activities. Fishing, horse-shoe pitching, volleyball courts, and a hiking trail are just some of the activities that you can enjoy in this 108-acre park.
  •  Heard Natural Science Museum & Wildlife Sanctuary is a must-visit place if you love wildlife. If you are a golf enthusiast, you will love Oak Hollow Golf Course.
  • The unemployment rate is lower than the national average. With a lot of businesses moving their operations to the city, the future job growth is projected to be higher than the national average. The manufacturing industry employs nearly 10% of the workers. There are plenty of opportunities for skilled professionals. In fact, more than 9% are employed in professional, scientific, and technical services. The northern Dallas-Fort Worth suburb is positioned to become a future tech hub with the EDC launching the Innovation Fund.
  • McKinney is home to nearly 185,000 residents.

Most Popular McKinney Village Neighborhoods for Owner-Financed Homes

Craig Ranch

This master-planned community just 8.5 miles southwest of downtown McKinney is a haven for those who lead or want to lead an active life. The quiet suburb offers diverse homes at different price ranges along with a host of amenities that include ball fields, fitness centers, and a world-class golf course.


With more affluent properties settled amid a scenic golf course, Isleworth offers a beautiful view of lakes and ponds amongst other amenities. Golfing enthusiasts can easily enjoy a putt in the greens while nature lovers get to enjoy the outdoors regularly thanks to its several hiking and biking trails.

Adriatica Villas

Those who love getaways would surely love the overall look and feel of Adriatica. This quiet little community just 5 miles from McKinney’s downtown area offers Mediterranean-style villas with several amenities. It’s modeled after a Croatian fishing village, so it would have the peaceful feel of a small village.

Other Areas to Buy Owner-Financed Homes in McKinney

Auburn Hills

Erwin Farms

Legends of McKinney

Saddlehorn Creek



Estates at Craig Ranch West

Liberty Hill

Sandy Glen



Estates of Verona

Live Oak Creek



Bloomdale Estates

Fairways North at Westridge

Mallard Lakes

Settlement at Craig Ranch


Bluffs of Winding Creek

Falcon Creek

McKinney Outlots

Seville of The Highlands




Meadow Ridge

Shiloh Ranch


Brookside at Winding Creek

Greens of McKinney

Meridian at Southgate




Harbor at Adriatica Condos

Newport Village




Hardin Lake

Pecan Park

Sorrellwood Park



Harvest Bend

Pecan Point

Southern Hills




Pecan Ridge Estates

Spicewood at Craig Ranch

The Vineyards


Heights at Westridge

Pine Ridge Estates

Stanford Meadow

Timber Creek

Chapel Hill

Hemmingway at Craig Ranch


Stone Hollow

Trinity Falls

Chapel Trails

Heritage Bend

Provine Farms Estates

Stonebridge Ranch

Tucker Hill

Coronado Village

Hidden Creek

Quail Creek

Stratford Manor

Village Creek

Creek Hollow

Hidden Forest

Raintree Estates

Summit at Westridge

Village of Ballantrae

Creekview Estates

High Pointe

Reserve at Westridge

Summit Pointe Estates

Village of Eldorado

Creekview Landing


Residences at Grand Lodge

Symphony at Stonebridge

Village Park

Crimson Ridge

Hillscreek at Stonebridge

Retreat at Craig Ranch

Tanglewood at Stonebridge Ranch

Villages of Lake Forest

Del Webb at Trinity Falls

Hunter Lakes


The Grove at Craig Ranch

Enclave at Hidden Creek

Eldorado Heights

Kings Lake

Robinson Ridge

The Preserve at Lake Forest

Saddlebrook Crossing

Emerald Heights

Lacima Haven

Saddle Club at McKinney Ranch

The Reserve

The Tour at Craig Ranch

Best Places to Buy a Home Near McKinney

How to Buy an Owner-Financed Home in McKinney, TX (75069, 75070, 75071, 75072)

Third-party owner financing is a good choice if you are unable to qualify for a conventional mortgage due to foreign nationality, self-employment, poor credit, or any other reason. You must first try to get pre-approved, and if you can’t obtain a mortgage, we can help you learn how to buy any single-family home of your choice in McKinney with no credit check or income verification.

Interested in learning more? Set an appointment today!  

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