Murphy, TX owner-financed and rent-to-own homes (no credit)

Murphy no credit check homes

Murphy is located just 5 miles east of Plano right beside Wylie and Sachse. It offers a rural lifestyle with friendly and tight-knit neighborhoods. With its generally low crime rate, living in this neighborhood is a safe decision. The median listing price hovers around $510K; however, the price range is quite diverse and you will be able to find listings from $340K to $950K. On the other hand, the inventory is pretty limited with only 30-40 homes available for sale which stay on the market for an average of about 45 days. Murphy is one of the best places to live in Texas—it has some of the best schools in the state, many parks, and riddled with trees, and is away from the big city commotion but still close enough to conveniently access a variety of amenities and opportunities.

Rent-to-own or owner-to-owner financing methods are popular among homebuyers in Murphy, but these options have certain limitations such as a shorter amortization period, limited inventory of homes to choose from, very high-interest rates, and balloon payments. If you are in a situation when you can’t qualify for a mortgage, we can help you learn about third-party owner financing in Murphy or anywhere within the 75074 and 75094 zip code areas. It works like a conventional mortgage where you can buy any home of your choice with no credit requirements. It also doesn’t have other limitations that most alternative financing methods have.

In this guide, you will have free access to all the homes listed for sale in Murphy, and how to buy any of these homes with no credit check. 

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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 May 27, 2024.

Why Buy an Owner-Financed Home in Murphy, TX (75074, 75094)?

The following Murphy 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 home price hovers around $510K; however, you will be able to find a 4 bedroom home listed for as low as $340K.
  • The inventory is quite limited with only 30-40 homes available which stay on the market for an average of about 45 days, more or less, since this is a metric that changes frequently.
  • Murphy was rated #7 in the “Best Places to Live” survey of Dallas Suburbs in D Magazine and was #27 in America by “Money’s list of America’s best small towns”.
  • The residents boast about the amazing diversity of people in the neighborhoods; and even though the city itself is in the smaller side, there are plenty of things to do and easily accessible amenities like shopping, recreation, and gas stations even if you’re just passing by.
  • Murphy has 12 public schools that received high ratings from GreatSchools—some of the best schools are Don Whitt Elementary School, Martha Hunt Elementary School, Tibbals Elementary School, and Murphy Middle School.

Most Popular Flower Mound Neighborhoods for Owner-Financed Homes

The Aviary

This diverse community offers safe, peaceful living spaces to all of its residents. Not only do locals get to enjoy the onsite amenities, but they also get to enjoy a nice walk any time of the day thanks to the picturesque landscaped streets.

Murphy Farms

On the southern tip of Murphy is a quiet community of diverse homes that easily fit any budget.  It's one of the more established neighborhoods in Murphy and is a mere walking distance to both Breckinbridge Park and the famous Firewheel Golf Park.

Other Areas to Buy Owner-Financed Homes in Murphy

Bluff Creek Estates


Eagle Glen

Rice Field at Plano Arts

Gables At North Hill

Rolling Ridge Estates

Glen Ridge Estates

Ryans Cove

Maxwell Creek North

Skyline Acres

Mc Millan


Murphy Village

Windy Hill Farms

Hunters Landing

Beautiful homes with opulent designs inspired by old cottages and ranch-style properties give Hunters Landing its unique aura. Locals easily get to enjoy the conveniences of DOwntown Dallas while going for a quick getaway in Lake Lavon and Lake Ray Hubbard.

Best Places to Buy a Home Near Murphy

Buying No-Credit-Check Homes in Murphy (75074, 75094)

There are many no-credit-check programs available in the market including rent-to-own for Haltom City home buyers. So how is third-party owner financing different from these programs? Well, you don’t require credit, but what makes it better is the fact that you can buy any home of your choice – even a brand-new home in Haltom City. There is no pressure to pay early with an amortization period of up to 30 years, no balloon payments, or pre-payment penalty. Since this helps you rebuild credit, you can refinance with a lender any time you want.

Interested in learning more? Set an appointment with us today!

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