Schertz, TX Owner-Financed & Rent-to-Own Homes (No Credit)


Nestled quietly a few miles northeast of downtown San Antonio, Schertz continues to be one of the most attractive suburbs in South-Central Texas. It is popular for its beautiful blend of big city convenience and hill country vibe. Its proximity to New Braunfels as well as the sparkling Guadalupe and Comal Rivers gives locals convenient access to a bustling metropolis, a vibrant cultural hub, and a quick getaway from the city buzz. Young professionals love the diversity of career options and entertainment here, retirees love it for the peaceful small-town feel while the quick 20-minute drive to Randolph Airforce Base makes it popular for military families.

Buying the ideal home with poor credit need not be a struggle for credit-challenged homebuyers. Owner financing in Schertz or anywhere within the 78154, 78108, and 78132 zip code areas provide benefits like a bank-approved buyer such as a 30-year amortization period and fixed monthly rates. It’s perfect for foreign nationals and those with unverifiable income because there are no additional expenses, credit checks, or income verifications.

This guide will help you learn how to leverage owner-financing in Schertz to get your dream home regardless of your credit situation:

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Why Buy an Owner-financed Home in Schertz, TX?

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

  • Schertz has a high rate of homeownership at 78% because of the $325,000 median listing price with diverse options that range from $150,000 to $700,000.
  • There are close to 300 homes listed on the market but since Schertz continues to draw residents from different parts of the country, these houses stay available for an average of 35-40 days only.
  • It’s ranked among one of the 20 most family-friendly cities in Texas because of its peaceful atmosphere, low crime rates, and excellent schools.
  • Schertz’s offers diverse career opportunities that contribute to its growing workforce and the thriving job market.
  • Retirees (mostly from the military) love it here because of its proximity to VA hospitals and healthcare facilities.
  • Living in Schertz also means enjoying an average of 225 sunny days a year. There are about 34 inches of rainfall every year, this means fewer worries about floods and other related incidents.
  • It is zoned to Schertz-Cibolo-Universal City ISD, one of the best school districts in the San Antonio-New Braunfels metro area. Some of the most high-ranking campuses include Garden Ridge Elementary, Danville Middle, and Byron P. Steele II High.

Most Popular Schertz Neighborhoods for Owner-Financed Homes

Laura Heights Estates

Zip Codes: 78154

Located just 18 miles northeast of downtown San Antonio, Laura Heights Estates is a favorite move-in destination for Military families because of the neighborhood’s proximity to Randolph Air Base. The convenient location also means everything around town is just 20 minutes away.  

Forest Ridge Estates

Zip Codes: 78229, 78239

Just right east of IH-35 sits a master-planned community of modern homes sitting on larger lots and well-maintained landscaping. Forest Ridge Estates offers an affordable but affluent living space that’s within a 5-minute drive from Schertz’s best-kept shopping and dining destinations.

The Crossvine

Zip Codes: 78154

Celebrated as Schertz’s first and finest master-planned communities, The Crossvine features mostly Texas Heritage Homes set in landscaped hiking and biking trails that lead to pocket parks filled with lush greens. Plans for shops, restaurants, and other commercial spaces are underway, so longtime residents and newcomers have more reason to call it home.

More Schertz Neighborhoods to Buy Owner-Financed Homes

Aviation Heights


Lone Oak

Scenic Hills


Silvertree Park

Hallie’s Cove

Oak Trail Estates

Schertz Forest

Jonas Woods


Ashley Place

Woodland Oaks

Savannah Square

Berry Creek


Rio Vista

Oak Forrest

Savannah Square

Parkway Gardens

Carolina Crossing

Mesa Oaks

Cypress Point

Arroyo Verde


Fairway Ridge


Rhine Valley

The Village Of Seville

Dove Meadow

Belmont Park

Kramer Farm

Reserve At Schertz


Westland Park

The Estates at Wilson S Preserve

Willow Grove

Deer Haven



More Schertz Zip Code Areas to Buy Owner Financed Homes




How to Buy an Owner-financed Home in Schertz

Rent-to-own remains a popular financing alternative for credit-challenged homebuyers in Schertz, but these types of arrangements do not guarantee immediate homeownership, plus buyers don’t get to choose the location and design. Third-party owner financing, however, gives buyers the freedom to buy any home listed for sale in Schertz. Just like a conventional mortgage, owner-financing offers a 30-year amortization period minus the stringent requirements. Payments are also reported to major credit bureaus allowing buyers to rebuild their credit over time.

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

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