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


Round Rock, being the largest city in Williamson County has received numerous accolades because of its continuing focus on the high quality of life. A number of newcomers move in here every year mainly because of its festive community events, scenic community parks, diverse recreational activities, and safe neighborhoods. While Round Rock continues to grow consistently at pace, residents continue to enjoy the family-friendly ambiance that it shares with the neighboring suburbs of Hutto, Leander, Pflugerville, and the rest of Williamson County.

Homebuyers in the Round Rock area get to pick from diverse home designs across different price points. The meticulous process and stringent requirements of most lenders make it nearly impossible for self-employed borrowers, foreign nationals, and the credit-challenged to get approved for a mortgage. When you choose third-party owner financing, you get the flexibility of shopping for any home in Round Rock or within the outlying 78664 and 78665 zip code areas. Except, you don’t have to worry about income verifications, prepayment penalties, high-interest rates, or balloon payments.

This guide will help you learn how to leverage owner-financing to buy the home of your choice regardless of where you are in terms of credit standing.

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Why Buy an Owner-financed Home in Round Rock, TX (78664, 78665)?

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

  • Round Rock homes are usually priced at around $450,000 but the range can go from anywhere between $200,000 to $1,200,000, meaning there’s a home available for any budget.  
  • There are 200 homes available on average and the 43% year-over-year property appreciation rate means that buying a home in Round Rock makes for a very good investment.
  • The city offers a diverse job market with companies such as Dell, Emerson Process Management, Kalahari Resorts and Conventions, St. David’s Round Rock Medical Center, UPS, and Amazon being the top employers.
  • Round Rock has also earned the moniker of the Sports Capital of Texas, having hosted major youth and recreational sports tournaments from world-class athletes.
  • The city has also been consistently part of various “safest places to live”. A 2018 survey also reports that 90% of locals responded that they feel very safe living in the city.
  • Round Rock’s strong financial management policies have contributed to the city having one of the lowest property taxes in the region.
  • The city is home to 37 public schools with Cactus Ranch Elementary, Fern Bluff Elementary, James Garland Walsh, Ridgeview Middle, and RRISD Early College High School being renowned for high-quality education.

Most Popular Round Rock Cities and Neighborhoods for Owner-Financed Homes

Chandler Creek

Nestled in Round Rock’s northeastern district is a quiet community surrounded by open green space and a peaceful neighborhood vibe. Chandler Creek residents mostly come home to cozy craftsman-style homes create an oasis to be one with the community while connecting with nature.


The open green spaces surrounding this flourishing neighborhood contributes to a laid-back country vibe that’s unique to the area. The central location between Round Rock and Georgetown lets locals enjoy the finest amenities both cities have to offer.


This close-knit neighborhood beautifully blends the comforts of country living with the convenience of city life. Siena features homes inspired by different architectural movements and brought to life by award-winning local designers.

Other Areas to Buy Owner-Financed Homes in Round Rock

Brushy Creek North

Meadow Lake

Springbrook Centre


The Retreat At Town Center

Downtown Round Rock

Chandler Creek Condominiums

Concord At Brushy Creek

Whitestone Landing

Vista Oaks

Twin Ridge

Windy Terrace

Forest Creek

Chisholm Crossing

Mesa Ridge

Eagle Ridge


Cityside Condominiums

Tonkawa Springs

Estates At Settlers Park

Greenlawn Village


Diamond Oaks

High Country

Turtle Creek

Cushing Park



Paloma Lake

Rolling Ridge

Sendero Springs

Little Oaks

Forest Grove

Round Rock West


Ashton Oaks

Meadows At Cambridge Heights

Preserve At Mayfield Ranch

Enclave At Town Centre

Garden Villas At Curry Loop


Warner Ranch

Dove Creek


Behrens Ranch

Sunrise Vista

North Park


Cat Hollow

Tri-View Estates

South Park

Forest Bluff

Lake Creek West

Mayfield Ranch


Ledbetter Oaks

Legends Village

The Oaklands

Preserve At Dyer Creek

Southern Hills

Wood Glen

Madsen Ranch

Forest Creek Estates

East Main

Chapel Hill North

Flower Hill

Greenlawn Place

Round Rock Ranch

Chisholm Valley


Morningside Meadows

Wildwood Country

Remington Heights

Lake Forest

Hillside Terrace


Great Oaks

Arbor Place

Peach Tree Valley

Kensington Place

Apache Oaks

Stone Canyon


University Village

Brushy Creek

Sam Bass Trails

Walsh Ranch

Windy Park

Old Oak Estates

Egger Acres

Oak Hollow


Oak Bluff Estates

Tonkawa Village

Summit At Round Rock


Highlands At Mayfield Ranch

The Villas at University Park

Greenslopes At Lakecreek

Low Water Crossing On Brushy Creek

Bradford Park

Stone Oak

Saddlebrook Estates

Silver Leaf

Settlers Overlook

Cambridge Heights



Trinity Place

Zunker Meadows

Ryan's Crossing


Brushy Bend Park

Jackrabbit Run

Jester Farms

Sunrise Villas

Settlers Crossing

Mesa Park

Spring Ridge



The Settlement

Laurel Ridge

Pecan Hills


Red Bud Acres

Old Town Meadows

Wild Plum Valley

Indian Ridge

Southside Acres

Bent Tree


Hidden Glen

Forest Ridge


Brushy Slope

Southern Terrace

Creekmont West

The Hermitage

Hidden Acres


Shadow Pointe

Spanish Oak Terrace

Donnell Parke

Fern Bluff

South Creek

Stoney Brook



More Round Rock Zip Code Areas to Buy Owner-Financed Homes











How to Buy an Owner-financed Home in Round Rock (78664, 78665)

The Round Rock housing market can be challenging especially for aspiring homeowners who hardly get past the initial verifications. Rent-to-own options may not be as stringent but it limits the choices for homes in the city. Our unique owner-financing program, however, offers a lenient process for credit-challenged home buyers and those who have trouble documenting their source of income. It also offers the freedom to choose the property of their choice (as long as it’s in a loanable condition) without all the meticulous processes.

Interested in learning more? Set an appointment with us today!

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