Plano, TX owner-financed & rent-to-own homes with no credit check
Plano is very popular among homebuyers for a variety of reasons. Buyers are realizing good returns on their investments due to fast appreciation in property values. The cost of living is low compared to the median income. Property taxes are comparatively affordable. Plano features over 700 restaurants making it a prime destination for locals in the neighboring towns of Allen, Murphy, and Addison. Professionals love Plano for its strong job market and the city’s growing popularity among big corporate houses, while families are attracted by the excellent amenities including over 80 parks and public green spaces, and top-ranked schools. No wonder, an annual survey by SmartAsset rated this Collin County city as the best place in the country to buy a home.
The lack of inventory and tough competition may make it challenging for buyers to find a home here within their budget. It becomes even more difficult if banks are not approving your mortgage application due to self-employment, foreign nationality, identification theft, or poor credit. If you are unable to buy a home of your choice due to any of these reasons, we can help you learn about a third-party owner financing program in Plano or anywhere within its top zip code areas of 75096, 75075, and 75023. The program enables you to buy any single-family home listed on the market in Plano with no credit check or income verification.
In this guide, you will get free access to all the homes listed for sale in Plano. You will also learn how to buy any of these homes with the owner financing program which is different from other alternative financing arrangements such as owner-to-owner and rent-to-own.





NTREIS data last updated December 8, 2023.
Housing Market

Median Listing Price
$540,000

Average Days on Market
46 Days

Public Schools
106

Homes for Sale
620
Commute Times

Downtown
31 Minutes

Medical Center
34 Minutes

Cultural District
31 Minutes

Rick Husband International Airport
34 Minutes
Plano Appreciation Trends
Plano Local Education
Top Elementary Schools
School | Rating | Neighborhoods/Cities | Median Listing Price |
---|---|---|---|
Beverly | 10/10 | Oakwood Glen/Redhill Springs/Cambridge Place at Russel Creek | $672,833 |
Gulledge | 9/10 | Fairfax Hill/Wellington at Preston Meadow/Bradford Estates | $409,375 |
Naoma and M. Allen Anderson | 9/10 | Courtney Manor/Ridgeview Ranch | $498,000 |
Top Middle Schools
School | Rating | Neighborhoods/Cities | Median Listing Price |
---|---|---|---|
Pat and Catherine Fowler Middle | 10/10 | Ridgeview Park | $590,000 |
C M Rice Middle | 10/10 | Spring Ridge/Highland Ridge/Courtyard at Russel Creek | $636,000 |
Otto Middle | 8/10 | Grand Estates of Breckinridge | $474,000 |
Top High Schools
School | Rating | Neighborhoods/Cities | Median Listing Price |
---|---|---|---|
Plano West Senior High | 9/10 | Villas of Gleneagles/Greens of Gleneagles | $1,012,500 |
Discover the Best of the Plano
Plano may offer easy access to Dallas’ finest but the city brims with attractions and amenities as diverse as its neighborhoods:

Dining
- ✓2 Taste Barbecue & Kebab
- ✓Charley’s Cheesesteaks & Wings
- ✓Adriano’s Italian Restaurants
- ✓AI Sushi
- ✓Anamia’s Tex-Mex

Nightlife
- ✓32 Degree Rooftop Bar
- ✓WXYZ Bar
- ✓On the Rocks Cantina
- ✓Holy Grail Pub
- ✓Whiskey Moon

Shopping
- ✓Firewheel Town Center
- ✓Fiarview Town Center
- ✓Lakeside Market
- ✓Grapevine Mills
- ✓The Shops at Legacy

Leisure and Entertainment
- ✓Art Centre of Plano
- ✓Board & Brush Creative Studio
- ✓Cavanaugh Flight Museum
- ✓Cheeky Monkeys
- ✓Breakout Games

Parks and Recreation
- ✓Arbor Hills Nature Preserve
- ✓Adventure Landing
- ✓Boardwalk at Granite Park
- ✓Box Garden at Legacy Hall
- ✓Children’s Aquarium at Fair Park

Groceries
- ✓Trader Joe’s
- ✓Kroger
- ✓Market Street
- ✓Taste of Poland
- ✓Sprouts Farmers Market
- ✓Whole Foods Market
Why buy a no-credit-check home in Plano, TX (75096, 75075, 75023)?
Here are a few reasons why you should consider buying a home in Plano:
- Plano is one of the hottest housing markets in Texas. Your investment in a home here may turn out to be a profitable financial move in the long run.
- The median annual income of households is high compared to housing costs. It means you will be able to save more after you buy a home.
- The median listing prices range from $395,000 - $405,000, however, you can easily find a single-family home priced at $300,000 or less. It means Plano offers great opportunities to budget-conscious buyers.
- You will find over 500 homes listed for sale here most weeks. Though the competition is tough as homes stay 40 or fewer days on the market, a wide selection of homes will make it easier to find a home within your budget.
- Plano features nearly 100 public schools, some of them with a GreatSchools rating of 9 or 10. Mary Evans Elementary, Hightower Elementary, Frances E Norton Elementary, Beverly Elementary, Wyatt Elementary, Skaggs Elementary, Fowler Middle, C M Rice Middle, and Plano West Senior High are among the most notable public schools.
Most Popular Plano Neighborhoods for Owner-Financed Homes
Lakeside on Preston
Featuring five lakes with fountain accents and beautiful tree-lined streets, Lakeside on Preston boasts beautiful scenery unlike any other. The 15-acre park within the area makes it a marvelous oasis amid a busy urban area.
Indian Creek
With every prestige you can find in a golf course community, Indian Creek offers a cozy neighborhood with more greeneries and amenities than houses. Residents within the area can enjoy premier shopping and dining spots while having easy access to a world-class medical facility and nature preserve right outside it.
Kings Gate
When it comes to luxury living, Plano’s Kings Gate offers some of the finest manor-style homes that sit on lots as big as 3 acres. This gated community usually features homes with 8 baths and 9 garages with exclusive access to all of the onsite amenities.
The Hills of Spring Creek
Those who love connecting with nature and spending time outdoors will definitely enjoy The Hills of Spring Creek. It borders with the famed Oak Point Park and Nature Preserve while giving residents a nice view of the annual Plano Balloon Festival.
Whiffletree
The scenic views at Whiffletree’s streets will rebuff all notions that Texas is mostly a barren desert with horrible weather. But what makes it attractive to most people, especially first-timers, is the low-cost, high-quality properties that range from $325,000 to $425,000.
Other Areas to Buy Owner-Financed Homes in Plano
Armstrong Park |
Cambridge Place |
Covington Square |
Dallas North Estates |
Avignon Windhaven |
Carriage Hill |
Creek Trails |
Deerfield |
Beverly Hills Estates |
Castlemere |
Creekbend Estates |
Denham Village |
Biltmore Racquet Club |
Chase Oaks |
Creeks of Timber Brook |
Knolls at Russell Creek |
Briar Meadow |
Cimarron |
Creeks of Willow Bend |
Estates of Forest Creek |
Briarmeade |
Cloisters |
Creekside Estates |
Fairfax Meadows |
Briarwood Estates |
Collin Greene |
Cross Creek |
Forest Creek Estates |
Bunker Hill Estates |
Commodore at Preston |
Cypress Point |
Forest Creek North |
Fox Trails |
Highland Ridge |
Legacy Hills |
Oakwood Glen |
Gatherings® at Plano Gateway |
Highlands of Russell Park |
El Ranchero Country Estates |
Spring Creek Parkway Estates |
Glen Heather |
Highlands North |
Legacy Park Estates |
Park Blvd Estates |
Glen Meadows |
Hills at Prestonwood |
Legacy Town Center |
Park Forest |
Gleneagles |
Hudson Heights |
Los Rios |
Parker Road Estates |
Glenhollow Estates |
Hunters Glen |
Malibu Estates |
Parkway Estates |
Glenview |
Hunters Landing |
Midway Park |
Parkway Heights |
Harrington Homeplace |
Hunters Ridge |
Normandy Estates |
Steeplechase |
Heatherwood |
Huntington Park |
Northglen |
Pasquinellis Westbrook |
Heritage Ridge Estates |
Kathryn Park |
Northrige Estates |
Hidden Creek Estates |
Pasquinellis Willow Crest |
Wellington at Preston Meadows |
The Hills at Prestonwood |
Pebble Brook at Willow Bend |
High Place |
Kings Ridge |
Oakbrook Estates |
Pitman Creek Estates |
Plano East |
Ridge Gate Estates |
Spring Ridge |
Trails of Glenwood |
Willow Bend Polo Estates |
Villages of Russell Creek |
Pasquinellis Parker Estates |
Villages of Preston Creek |
Ports Ocall |
Ridgeview Ranch |
Stone Creek |
Ridgeview Park |
Prairie Creek Estates |
Ridgewood |
Stonehaven Place |
Villas at Legacy West |
Preston Lakes |
River Bend |
Stonetree |
Villas of Los Rios |
Preston Meadow |
Royal Oaks |
Stoney Hollow |
Villas of Pecan Creek |
Preston Ridge |
Sabine Park Estates |
Oak Point Estates |
Kimberlea |
Prestondale |
Santa Fe Estates |
Timber Brook Estates |
Wellington Run |
Redhill Springs |
Shoal Creek |
Town West |
Wells Park |
Renaissance |
Old Shepard Place |
Townbluff |
Wentworth |
West Creek |
Willow Bend Country |
Plano Park |
Wooded Creek |
West Park |
Willow Bend Lakes |
Willow Bend West |
Woodlands of Plano |
Westgate |
Willow Bend North |
Windhaven |
Wooded Creek |
Willow Bend |
Willow Bend Park |
Windrose Tower |
|
Best Places to Buy a Home Near Plano
More Plano Zip Code Areas to Buy Owner-Financed Homes
75024 |
75074 |
75025 |
75086 |
75026 |
75094 |
75034 |
75252 |
How to buy an owner-financed home in Plano (75096, 75075, 75023)
Living in the suburbs offers a lot of perks but Plano spices things up a bit with modern luxury and historic charm. WalletHub hails it as the Happiest Place to Live in the U.S because of the vibrant attractions, but everyone loves it here because of its accessibility to Dallas’ most vibrant districts, award-winning school districts, and inclusive neighborhoods.
Plano may be one of the most diverse neighborhoods but buyers shopping around a home in the area continue to struggle with mortgage approvals because of credit and financial challenges. TL Global’s third-party owner-financing program can help you find your dream home here. This arrangement is:
- Free of balloon or pre-payment penalties
- Have fixed monthly & interest rates
- Eligible for a 30-year amortization period
Being turned down by banks for a home loan can be frustrating, particularly if you are a financially disciplined person. We train home buyers about a unique owner-financing program that doesn’t take into consideration your credit situation, employment, or nationality. Most terms are similar to a traditional loan as you pay a fixed monthly installment over 30 years. No balloon payments are required. And, if your credit score improves, you can refinance any time you want without paying pre-payment penalties. Your owner financing payments are reported to the credit bureaus. It helps you improve your credit.
Homebuying in Plano is possible with alternative financing methods but it’s important to note it shouldn’t put buyers in a tight situation. Our unique owner-financing program not only offers benefits most bank-approved buyers enjoy, but it also reports monthly payments to major credit bureaus so you can rebuild your credit and refinance through a conventional lender over time.
Interested in learning more? Set an appointment today!
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