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

Rowlett no credit check  homes

Rowlett is an amazing location choice in the Dallas and Rockwall counties whether you're beginning a family and looking for a quiet neighborhood or a young professional looking for a quiet retreat in a small-town atmosphere. It's more than a 30-minute drive from downtown Dallas but the nearby cities of Garland and Plano offer a lot in terms of big-city attractions, among other amenities. The median listing price is $370K; however, the wide price range offers listings from $60K to $3M. There are 200-300 homes available for sale and they usually stay on the market for around 40 days. This quiet city is located on the beautiful Lake Ray Hubbard which is surrounded by over 30 miles of shoreline so if you’re looking to fish, ski, or boat—Rowlett is the perfect place for you.

Not all homes are sold with no credit check in Rowlett when you explore alternative financing options such as rent-to-own or owner-to-owner. But a third-party owner financing program in Rowlett or anywhere within the 75030, 75088, and 75089 zip code areas gives you the freedom of choosing any home listed for the sale on the market.

In this guide, you will have free access to all the Rowlett home listings. 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 Rowlett, TX (75030, 75088, 75089)?

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

  • The median listing price is $370K; however, you will be able to find a 3 bedroom home for as low as around $200K if you’re looking for a more affordable option.
  • There are 200-300 homes available in the inventory and they usually stay on the market for an average of 40 days—though this is a metric that changes frequently.
  • Dallas is about 20 miles away from the growing city. You can go out for a night on the town in Dallas, but Rowlett has lots to offer, including a vibrant downtown, more than 100 restaurants, and plenty of parks.
  • The job opportunities in Rowlett are plentiful. This city caters to top jobs for students and young professionals in the region’s thriving businesses.  The employment market is expanding—tech businesses have flocked to the region.
  • It's a necessity to get drinks and food in the area's city center, and there's always something going on in the Village, such as the Rowlett Farmers Market.
  • Rowlett is the 9th safest city in Texas according to It is the 41st safest city in Texas, named by the National Council for Home and Security. Rowlett is also ranked number ten on Movoto's ranking of Texas' safest cities.

Most Popular Rowlett Neighborhoods for Owner-Financed Homes

Bayview Estates

The manor-style homes within the quiet streets of Bayview Estates offer a burgeoning community with properties that can go as low as $199,000. The 30-minute drive to the DFW Metroplex offers convenient travels to the big city for both work and play.

Magnolia Landing

If you’re looking to move to a picturesque suburb but unsure which type of home is right for you, Magnolia Landing shares a few ideas for different aesthetic preferences. Properties here feature a host of home designs, most of which are inspired by craftsman or cottage vibes.

The Vineyards

One of the newer developments in the Rowlett area, The Vineyards offers larger-framed homes with a blend of rustic and vintage styles. Residents here get to enjoy a host of amenities but the biggest draw for homebuyers here is beautiful fishing spots on Lake Ray Hubbard.

Other Areas to Buy Owner-Financed Homes in Rowlett


Highland Meadows


The Homestead at Liberty Grove Cottage

Castle Hill Estates

Lake Highlands Lake Ray Hubbard

Pecan Harbor Estates

The Peninsula

College Park


Point Royal

Tolar Bay

Enclave at Liberty Grove

Lakeshore Park Estates

Princeton Pointe

Toler Ridge

Flower Hill

Lakewood Pointe

South Bay Estates

Waters Edge


Magnolia Springs

Spinnaker Cove


Heritage on the Lake

Mariners Cove

Springfield Estates

Westwood Estates


Best Places to Buy a Home Near Rowlett

How to buy a no-credit-required home in Rowlett with owner financing (75030, 75088, 75089)

Is your credit situation preventing you from realizing your homeownership dream? If the answer is yes, you won't have to explore rent-to-own in Rowlett just yet. Owner financing will let you pick any home in Rowlett as long as it's in a loanable condition.

Set an appointment with us today to learn about third-party seller financing.

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