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


If you are looking for a strong sense of community and a laid-back lifestyle, Spicewood is the perfect choice for you. From welcoming people to the breathtaking sites and its world-class barbecue, Spicewood offers a bit of everything for everyone. It sits a few miles west of Round Rock, right beside Lago Vista and Lakeway. What you'll love even more about this Austin suburb is that it offers a large selection of homes in a wide price range, meaning it's easy to find an abode here as per your budget and requirements. 

You will find about 150-200 homes listed for sale here most weeks. If self-employment, low-credit scores, or foreign nationality are an obstacle to mortgage approval, third-party owner financing in Spicewood and the rest of the 78669 zip code area can help you buy any single-family home listed for sale in Spicewood without credit checks or income verifications.

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.

211 Properties
Page 1 of 18

Why Buy an Owner-financed Home in Spicewood, TX (78669)?

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

  • The median listing home hovers around $800,000 but Spicewood, being one of the most diverse housing markets offers homes in a wide range of price points.
  • There are usually more than 150 homes for sale in the area, these properties stay listed for 40 days or less. 
  • Spicewood owes much of its charm to the host of outdoor activities in its recreational areas from exciting zip lines to wonderful lakeside picnics, all while enjoying the scenic backdrop of the Texas Hill Country. 
  • It is home to 8 public schools with Spicewood Elementary, West Cypress Hills Elementary, Lyndon B. Johnson Middle, and Lake Travis High School being some of the most prominent.

Most Popular Spicewood Neighborhoods for Owner-Financed Homes


Nestled on the southern shore of Lake Travis is the quiet enclave of Briarcliff. Homes in the area vary by design and acreage but all sport a unique coziness every homeowner will surely appreciate. It's part of the highly acclaimed Lake Travis ISD and offers a host of outdoor recreation for locals of all ages. 

The Reserve at Lake Travis

The Reserve at Lake Travis' wonderful location allows it to blend 300 acres of Texas' hill countryside with the relaxing vibe of lakeside living. Homes in this breathtaking resort community offer a mix of cabin-type, villas, and cottage-style houses ready to provide the coziest experience for families. 

Lakeside Beach

Nestled along the famous Colorado River, Lakeside Beach offers a pristine waterfront lifestyle with affordable housing options. It's one of the more established neighborhoods in Spicewood where newcomers and long-time residents get to live in a hearty blend of Bungalows, Craftsman, and Ranch-Style homes.

Other Areas to Buy Owner-Financed Homes in Spicewood

Angel Bay



Point At Ridge Harbor

Barton Creek Lakeside

Harbor Cove

Lakeside Beach

Reserve At Lake Travis

Cat Eddy

Harbor Point

Lakewood Estates

Ridge Harbor

Cliffside Condo

Hidden Hills

Lick Creek Ranch

Sola Vista

Coves On Lake Travis


Milam Ranch

Spicewood Beach


Hunters Point Condo

Naumanns Camp

Spicewood Villas at Lakecliff

Curiosity Cave

Inverness Point

Oaks At Spicewood

The Place

Deer Haven

La Isla At Angel Bay

Paleface Homesteads

Thurman Bend Estates

Double Horn

Laguna Vista

Paleface Lake Country Estates

Tierra Vista

Edgewater Beach

Lake Oaks Ranch

Paleface Ranch

Travis Bluff

Granite Ridge

Lakecliff On Lake Travis

Pedernales Bend

Travis Lakeside

Travis Settlement

West Cypress Hills

Windermere Oaks

How to Buy an Owner-financed Home in Spicewood (78669)

If unverifiable income, foreign nationality, or poor credit scores hurt your chances of getting approved for a conventional loan, owner-financing can help you purchase the home of your dreams without credit checks and other rigorous processes. It gives you the perks of a bank-approved buyer with a 30-year amortization period and you’ll also get to rebuild your credit, allowing you to refinance or apply for a conventional loan in no time.

Post a Comment