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

royse city no credit check homes

Royse City in Rockwall County is a popular housing market for a variety of reasons including a wide selection of homes, low crime rate, good schools, and affordable housing options. Like Sachse, Wylie, & Murphy, residents enjoy a rural vibe while having easy access to big-city sights and sounds because of its close proximity to Garland. If you are financially disciplined and looking for a home that doesn’t require credit, you will probably want to learn about third-party owner financing.

In a rent-to-own arrangement in Royse City or anywhere within the 75189 zip code area, you will have access to a limited inventory of homes, but that’s not the case in third-party seller financing which is different even from regular owner-to-owner financing. In this financing arrangement, you will have the freedom of buying any Royse City home of your choice listed for sale on the market.

In this guide, you will have free access to all the homes listed for sale in Royse City. 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 April 12, 2024.

Why Buy an Owner-Financed Home in Royse City, (TX 75189)?

The following Royse City 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 hovers around $370K; however, you will be able to find a home listed for as low as $190K.
  • There are 300-400 homes available in the inventory most days and they usually stay listed on the market for an average of about 35 days.
  • This city is one of the fastest expanding in the United States. With a population growth rate of 8.9% in the past year and 29.9% in the past five years, the population has reached 11,746.
  • With a great selection of top-notch schools, low crime, college-educated neighbors who prefer to promote education, and ample job opportunities, Royse City is an ideal location for families to consider.
  • Residents enjoy the safety around the neighborhoods since Royse City was ranked the 18th safest city out of nearly 200 ranked cities.

Most Popular Royse City Neighborhoods for Owner-Financed Homes

Parkside Village

This quiet community features near-endless amenities for everyone to enjoy including a fishing pier, a resort-style pool, and a championship-level golf course. Couple that with the newly-constructed homes with a modern aesthetic, it feels like spending a weekend getaway every day.

Highland Ridge

The farm-sized lots of Highland Ridge offer a slice of rural tranquility far enough to get away from all the city buzz. Houses here come in diverse designs, colors, and price points, making it a welcoming neighborhood for buyers of all sorts.

Graham Point

The homey blend of affluent home designs with the rural feel of the surroundings gives Graham Point its unique charm. Residents enjoy the cozy outdoor feel but can easily travel to nearby areas to explore diverse shopping, dining, and entertainment scenes.

Other Areas to Buy Owner-Financed Homes in Royse City



McDaniels Farm

Starlight Ranch

Alexander Ranch

Hidden Creek

McKamy Meadow

Stone River

Becky Acres

Hidden Oaks


Streetman Ranch

Bent Trail

High Hill Acres

Oak Creek

Sunrise Meadows

Blockdale Meadow

High Point Ranch

Oak Meadows


Briarstone Estates




Buena Vista


Odell Turner

Wanda Ridge

Creekview Estates

Karendale Village

Poetry Ranch


Eastridge Estate


Rolling Meadows

West Creek

Estates Quail Ridge

Lavon Hills

Rustic Meadows


Gentry Ranch

Leisure Land

Sky View Ranch

Windy Hill




Woodland Creek

Best Places to Buy a Home Near Royse City

Getting a No-Credit-Check Home in Royse City (75189)

Most no-credit-check programs in Royse City including rent-to-own limit your home buying choices. You are asked to choose from a limited inventory of homes, but owner-financing enables you to buy any ‘listed’ home.

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