Prosper, TX owner-financed & rent-to-own homes (no credit)

Prosper No-Credit-Check Homes

Prosper is a desirable l residential community, combining a rural lifestyle with urban amenities. It's located near McKinney, Frisco, and Krugerville. The area features great schools, luxury residences, and a respite from today's fast-paced lifestyle. Families make up the bulk of Prosper residents. The town draws more and more expanding families every year due to the low crime rate and top-performing school district. The crime rate is 60% lower than the state average. In addition, the town's educational system consists of three A+ rated public schools with an average test score of 91 percent and a high school graduation rate of around 95 percent

Getting accepted for a traditional bank loan might be difficult for individuals and families struggling with credit. However, a unique third-party owner financing program in Prosper and within the surrounding 75078 zip code area enables foreign nationals, self-employed persons, and anybody with a bad credit score to acquire a home of their choice in Prosper without credit requirements or income verification.

In this guide, you will have free access to all the homes listed for sale in Prosper. You will also learn how you can buy any of these homes with owner financing.

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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 June 20, 2024.

Why Buy an Owner-Financed Home in Prosper, TX (75078)?

The following Prosper real estate market overview will help you decide if the city is the right home buying destination for you and your family:

  • The housing market in Prosper has a huge inventory of 300-400 homes with an average median listing price of $680K. These listings stay on the market for around 40 days.
  • Shopping attractions may be found nearby in Frisco or McKinney, and the nightlife consists primarily of supper at Palio's Pizza Café or Ernesto's Mexican Restaurant. In town, there are plenty of restaurants and shops. Medical services are only a short drive away. The North Dallas Tollway is easily accessible from this community, which is only a short drive from DFW Airport.
  • Frontier Park is a fantastic site to visit; it's a terrific place to rest and unwind, as well as a starting point for numerous hiking routes. What you'll appreciate about this place is that it includes a lot of sports complexes, which makes it ideal for kids and families. If you want to unwind, it's a fantastic place to check out.
  • Cedar Grove Park is primarily a recreation facility with a variety of services and fascinating pathways to explore. It's nearly in the heart of Prosper making it very convenient to go to and enjoy. It's especially ideal for bicycling because it contains a fun loop.
  • Gentle Creek Golf Club is ideal for golfers who are serious about developing or taking their golfing skills to the next level.

Most Popular Prosper Neighborhoods for Owner-Financed Homes

Lakes of Prosper

Those looking to experience the authenticity of an old Texan town can definitely enjoy living at Lakes of Prosper. The area's accessibility makes it easy for residents to enjoy onsite amenities as well as shops, restaurants, and entertainment venues in the nearby area.

Frontier Estates

Frontier Estates welcomes new homeowners with diverse home designs that range from cozy contemporary to comfortably conventional. The proximity of parks and other recreational spaces offers a host of recreational activities for everyone to enjoy.

Saddle Creek

The expansive lots and manor-style houses in Saddle Creek offer affordable options for a luxury home upgrade. Properties constructed just last 2020 can cost as low as $375,000 with convenient and exclusive access to all of the neighborhood's scenic views and amenities. 

Other Areas to Buy Owner-Financed Homes in Prosper


Lakewood at Brookhollow

Star Trail

Cedar Ridge Estates

Legacy Gardens

Steeplechase Lake

Collin Green


Stone Creek

Creeks of Legacy

Oxford Farms

Tanners Mill

Deer Run

Parks at Legacy

The Preserve at Doe Creek

Falls of Prosper

The Parks at Legacy

Trails of Prosper

Gentle Creek Estates


Twelve Oaks

Glen Brooke Estates

Preston Country Estates

Valley View


Preston Lakes

Vistas of Gentle Creek

Hills at Legacy

Prosper Lake

Whispering Farms

Lakes at Legacy

Raewood on Preston

Whitley Place

Lakes of La Cima

Rhea Mills Estates

Windsong Ranch


Best Places to Buy a Home Near Prosper

How to buy no credit home in Prosper with owner financing (75078)

Approval for a mortgage might be hard to come by, especially if your credit score is poor. While rent-to-own houses in Prosper may look tempting, they do not promise quick homeownership and you do not have access to the whole inventory. Without having to go through income verifications or credit checks, a unique third-party financing alternative can help you achieve your dream of homeownership.      

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