Plano, TX owner-financed & rent-to-own homes with no credit check

owner financed homes plano

Plano is very popular among homebuyers for a variety of reasons. Buyers are realizing good returns on their investment 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.

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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 September 30, 2022.

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.


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


Beverly Hills Estates


Creekbend Estates

Denham Village

Biltmore Racquet Club

Chase Oaks

Creeks of Timber Brook

Knolls at Russell Creek

Briar Meadow


Creeks of Willow Bend

Estates of Forest Creek



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


Hudson Heights

Los Rios

Parker Road Estates

Glenhollow Estates

Hunters Glen

Malibu Estates

Parkway Estates


Hunters Landing

Midway Park

Parkway Heights

Harrington Homeplace

Hunters Ridge

Normandy Estates



Huntington Park


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


Stonehaven Place

Villas at Legacy West

Preston Lakes

River Bend


Villas of Los Rios

Preston Meadow

Royal Oaks

Stoney Hollow

Villas of Pecan Creek

Preston Ridge

Sabine Park Estates

Oak Point Estates



Santa Fe Estates

Timber Brook Estates

Wellington Run

Redhill Springs

Shoal Creek

Town West

Wells Park


Old Shepard Place



West Creek

Willow Bend Country

Plano Park

Wooded Creek

West Park

Willow Bend Lakes

Willow Bend West

Woodlands of Plano


Willow Bend North


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









How to buy an owner-financed home in Plano (75096, 75075, 75023)

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.

Interested in learning more? Set an appointment today!

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