New Braunfels, TX Owner-Financed & Rent-to-Own Homes (No Credit)


Quietly sitting at the edge of Texas’ famed hill country, New Braunfels’ proximity to the I-35 corridor offers convenient access to the cities of Austin and San Antonio. Founded in the mid-1840s by a German Prince, New Braunfels boasts of a rich heritage (like San Antonio). The unique blend of German and Texan influences in the local culture gives the city its unique charm. Locals, businesses, and tourists alike enjoy a highly diversified quality of life thanks to the city’s eclectic blend of community parks, unique shops, quiet cafes, a thriving arts scene, and its location between two well-known rivers, Comal and Guadalupe.

There are about 1,400 homes listed for sale in the New Braunfels housing market with a median listing price of $400,000. But it’s considered one of the most competitive areas with homes staying listed for about 40 days or less. Most are sold to pre-approved homebuyers but if you’re struggling to secure a loan approval, third-party owner financing in New Braunfels or anywhere in the 78130, 78131, and 78132 zip code areas can be a feasible alternative. This arrangement offers many benefits including a 30- year amortization period, immediate homeownership, and access to all available properties in the market.

This guide will help you learn how to leverage owner-financing to buy the home of your choice in New Braunfels regardless of your credit situation. 

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Why Buy an Owner-financed Home in New Braunfels, TX?

Here are a few reasons why you should consider buying a home in New Braunfels:

  • The median listing home price for an average home in New Braunfels hovers around $400,000. There are about 1,400 properties listed here most weeks and they stay on the market for an average of 40 days.
  • Towering mature trees dot the streets. This makes New Braunfels one of the most walkable metropolitan areas in South Central Texas.
  • The two rivers surrounding New Braunfels lets locals cool off during hot and humid summers. The average of 225 sunny days a year allows everyone here to enjoy outdoor adventures even during the winter.
  • Comal River, referred to by locals as the “Longest Shortest River” invites everyone for a relaxing swim in freshwater while Guadalupe River offers a nice luring spot for avid and casual fishers.
  • The fascinating museums around town and the one-of-a-kind day tours offer a unique experience of New Braunfels’ rich culture and history
  • The local art scene continues to thrive thanks to the prolific galleries, studios, concerts, live music festivals, and theatrical plays all year-round.
  • There are quite a handful of coffee shops, specialty stores, and restaurants to satisfy different cravings. Lively bars, wineries, and breweries are easily accessible around town for some nightcaps or fun-filled evenings with friends and family.
  • New Braunfels students are served by several highly-rated schools including County Line Elementary, Walnut Springs Elementary, Church Hill Middle, and New Braunfels High.

Most Popular Arlington Neighborhoods for Owner-Financed Homes

Vintage Oaks

Zip Code: 78132

This master-planned community at the heart of New Braunfels offers an array of beautiful homes with a beautiful view of the famous Texas Hill Country. Most properties boast a modern design that sits on more than an acre of manicured front yard space for families to enjoy. It also boasts one of the finest amenities in the Texas Hill Country which include a lazy river, four swimming pools, playscapes, and about 5 miles of well-maintained trails.

Magnolia Springs

Zip Code: 78132

One of the quieter neighborhoods in the New Braunfels area, Magnolia Springs features mostly newly-developed homes that vary both in design and in-floor plan flexibility. It’s nestled just a few miles off of downtown New Braunfels but the surrounding greens in the area offer a refreshing retreat while providing near-direct access to everything exciting around the city.

Legend Point

Zip Code: 78130

Unlike newer developments all over the state, Legend Point offers something fresh for aspiring homeowners by allowing them to choose a floor plan and build their dream home based on their vision. What most people love about one of New Braunfels’ fastest-growing neighborhoods is the abundance of family-friendly amenities, the accessibility of schools under the highly-revered New Braunfels ISD, and the easy access to San Antonio, San Marcos, and Seguin.

More New Braunfels Neighborhoods to Buy Owner Financed Homes

Gruene (78130)

Loma Verde (78130)

Veramendi (78132)

Oak Run (78132)

Southbank (78130)

Copper Ridge (78132)

Mission Hills Ranch (78132)

Pecan Crossing (78130)

Highland Grove (78130)

Mockingbird Heights (78130)

River Chase (78132)

Newcombe Tennis Ranch (78132)


How to Buy an Owner-financed Home in New Braunfels, TX

Credit-challenged homebuyers competing with pre-approved homebuyers in the New Braunfels housing market can explore owner financing as a no-credit-check alternative. Like a bank-approved buyer, this arrangement offers a 30-year amortization period with fixed monthly payments. Monthly payments are reported to major credit bureaus so buyers have the opportunity to rebuild their credit score over time and refinance through a conventional lender. It’s different from rent-to-own because buyers get immediate homeownership while having the flexibility to choose from any property listed on the market, granted it's in a loanable condition.

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

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