Northwest, Houston TX owner-financed & rent-to-own homes

Affordability, close proximity to Downtown, diversity, small-town atmosphere despite being so close to Downton Houston and Inner Loop, a strong appreciation in property values, and a wide range of home buying options are some of the features that make Northwest Houston a popular housing market. You will find about 1000 homes listed for sale here most weeks. The median listing price for single-family homes ranges from $225,000 - $300,000. Northwest Houston consists of several smaller neighborhoods and subdivisions such as Fairbanks/Northwest Crossing, Spring Valley Village, and some parts of Hedwig Village. Many of them have deed restrictions in place. For this reason, these communities - developed as far back as the 1940s to the 1950s - have maintained their original look and feel.

If you are looking to buy a home in Northwest, but struggling with credit, we – here at Shop Owner Finance – can help you learn how to buy any home here with owner financing – regardless of your credit or situation.

In this guide, you will get access to all the homes listed for sale in Northwest and nearby areas. We will also discuss how you can buy any of these homes with owner financing.

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Some interesting facts about the Northwest real estate market

Here are a few reasons why you should consider buying a home in Westview Terrace:

  • One of the biggest advantages of living in Northwest Houston is its easy accessibility to Downtown and Inner Loop. As prominent business districts including the Energy Corridor are just minutes away, Northwest Houston is very popular among entrepreneurs and professionals.
  • Top-rated schools, plenty of urban amenities, and a small-town feel are some of the features that draw families to this part of the city. Some of the public schools that Northwest Houston homes are zoned to include The School For Highly Gifted Students, Hunters Creek Elementary School, Valley Oaks Elementary School, Benbrook Elementary School, Cornerstone Academy, Mayde Creek J High School, Mayde Creek High School, and Memorial High School.
  • You will find about 800-1000 homes listed for sale here most weeks. The median listing price is $250,000, but you can easily find a single-family home for $200,000 or less. It will be easier for you to find a home that suits your budget and requirement.
  • Many neighborhoods in Northwest Houston have reported a strong appreciation in property values, so buying a home here may turn out to be a profitable investment.

Popular Neighborhoods in Northwest Houston

Fairbanks/Northwest Crossing

This quiet neighborhood in Houston’s northwestern area is not just home to beautiful homes sitting on open green lots, it’s also renowned for reasonably-priced residences with strong land value appreciation. The average price for a home here is about $320,000 but you can easily find a property that’s less than $200,000. Most locals and residents here enjoy their time outdoors in the hiking and equestrian trails, aviary, soccer fields, and others in the nearby Bear Creek Pioneers Park. Fairbanks/Northwest Crossing is also just a little over 20 minutes away from downtown Houston, The Galleria, and The Energy Corridor for easy access to shopping, dining, and employment hotspots.

Spring Branch

One of the northwestern neighborhoods closer to Houston’s famed inner loop, Spring Branch offers real estate properties that fit within different budget spectrums. This means locals get to enjoy easy accessibility to some of the city’s most prominent employment and commercial hubs while taking advantage of home prices that usually range from $200,000-$350,000. But while the modern urban look of Spring Branch makes it popular among homebuyers from other areas of Houston, locals love it here because of the strong sense of community as manifested in different events all year round.

Spring Valley

Located on the more affluent side of Northwest Houston, Spring Valley is one of the residential areas that make up H-Town’s sought-after Memorial Villages. The $1,000,000 median listing home price usually features picturesque mansions with swimming pools or ranch-style homes that have retained much of their vintage charm from the 50s and are sold at lot value. But there are other awesome single-family properties that sit on much smaller lots at half the average cost. Families love it here not just because of the scenic streets but because of the high-quality school districts serving the area as well. The Katy Freeway gives access to Houston’s inner loop to the east and Energy Corridor to the west.

Greater Inwood

One of the more affordable housing markets this side of Houston, Greater Inwood is a perfect spot to start over with properties that start off at $150,000. The family-friendly feel is complemented by lush green spaces, a close-knit neighborhood, and excellent schools.

Other Areas to Buy Owner-Financed Homes in Northwest Houston


Acres Home


Central Northwest


Greater Heights

Best Places to Buy a Home Near Northwest Houston

How to buy an owner financed home in Northwest

Buying a home in the Northwest can be challenging if you don’t qualify for a conventional mortgage due to reasons such as foreign nationality, financial missteps in the past, or self-employment.

If you’ve saved enough for a down payment (a minimum of 15-20%), we can help you learn how to get owner financing on any home in Northwest or anywhere else in Houston for that matter. You can pay off your owner financing loan in 30 years at reasonable interest rates or refinance any time you want with a conventional lender without worrying about pre-payment penalties. There are no balloon payments, credit checks, or income verifications.

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