Pflugerville, TX Owner-Financed & Rent-to-Own Homes with No Credit Check


The peaceful vibe of the suburbs along with the beautiful outdoor spaces and exciting entertainment venues make Pflugerville one of the top destinations for families looking to move near Round Rock, Austin, or Georgetown. Homes in its many subdivisions hover around the $430,000 mark but the 40% year-over-year appreciation makes a home purchase here a good investment for homebuyers looking to stay and live in the city for the foreseeable future. Residents are highly appreciative of the lavish green spaces surrounding the city but they also get to enjoy shops and restaurant options in nearby business hubs.

Credit-challenged borrowers in Pflugerville or anywhere within the 78660 and 78691 zip code areas can explore the perks of owner-financing should lenders consider them unqualified for a conventional loan. Buying a home with this type of arrangement allows them to choose their ideal property without credit or income verifications. Like a bank-approved homebuyer, owner-financing offers a 30-year amortization period and borrowers can also make payments in advance without penalties.

This guide will help you learn how to leverage owner-financing to make your dream of owning a home here a reality regardless of your credit situation:

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Why Buy an Owner-financed Home in Pflugerville, TX (78660, 78691)?

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

  • The median listing price hovers around $430,000 but there are more than 450 homes available here on average so it’s easy to find affordable 2-bedroom homes listed for around $250,000 or less.
  • Lake Pflugerville not only complements the city’s year-long warmth while providing 180 acres of space for several outdoor activities including recreational fishing, boating, swimming, cycling, hiking, and annual festivals.
  • Residents also get to enjoy good clean outdoor recreation through Northeast Metropolitan Skate Park and Typhoon Texas Water Park.
  • The city continues to develop its downtown area, creating a vibrant hub for shopping, dining, nightlife, live music, and employment while maintaining all of its historic charms.
  • Pflugerville’s unemployment rate is 30% lower than the national average, representing a strong job market representing diverse employment opportunities, better compensation packages, and consistent economic growth.
  • Most, if not all, of the elementary schools in the Pflugerville Independent School District, are rated "exemplary" by the Texas Education Agency with an overall rating of B (89/100). Some of the most renowned are Murchison Elementary, Mott Elementary, Kelly Lane Middle School, IDEA Pflugerville College Preparatory, and Hendrickson High School.

Most Pflugerville Neighborhoods for Owner-Financed Homes

The Park at Wellspoint

This suburban neighborhood features modern houses with smart options set in a quiet, well-developed community. It’s minutes away from HEB, The Domain, and several tech company offices while I-35 provides convenient routes to the cities of Round Rock and Austin.

Becker Farm

Featuring the best of modern suburban living with easy access to all that’s happening in the city thanks to its proximity to TX-130. It offers convenient routes and shorter commute times for the area’s most prominent shops and restaurants including the famous Stone Hill Town Center.


This gives suburban living a stronger sense of community through its great schools, amazing amenities, and diverse recreational opportunities. The area’s well-designed landscaping is a welcome getaway from the regular hustle and bustle of the city.

Other Areas to Buy Owner-Financed Homes in Pflugerville

Cities Shared with other Counties


Highland Park

Sarahs Creek

Bohls Place

Highland Park Condos


Brookfield Estates


Settlers Meadow

Cambridge Estates

Lakes At Northtown

Settlers Ridge


Lakeside At Blackhawk


Cantarra Meadow

Meadows Blackhawk

Spring Trails

Cardinal Crossing Condos

Mountain Creek

Spring Willow


North Park


Carmel 50s

North Hillside Springs

Springbrook Enclave

Carmel West

Northtown Park

Springbrook Glen

Commons At Rowe Lane

Northtown West

Steeds Crossing

Cottages At Beaver Creek

Park at Blackhawk

Swenson Farm

Estates Rowe Lane

Parkside At Northtown Condos

The Edgewaters

Fairways Blackhawk

Penley Park


Falcon Pointe


Villages Hidden Lake

Fort Dessau

Picadilly Ridge

Villages of Hidden Lake


Reserve At Westcreek

Vine Creek


Retreat At Harris Ridge Condos

Wells Point


Ridge At Steeds Crossing

Willow Creek


Royal Pointe



How to Buy an Owner-financed Home in Pflugerville (78660, 78691)

Owner financing makes gives borrowers with inconsistent monthly income or low credit scores to get any single-family home of their choice in Pflugerville. It’s true that alternatives such as rent-to-own offer no credit checks, but it also limits buyer options for finding the perfect home.

You can learn more about owner financing by setting an appointment with us today.

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