Spring TX rent-to-own and owner finance homes with no credit check

spring tx no credit check bad credit homes

Home to over 60,000 people, Spring TX is one of the most densely populated cities in Texas. Easy accessibility to major employment centers, top-performing schools served by three independent school districts, affordable homes and a low cost of living attract a large number of professionals and families, causing the population to grow at a fast pace in the past few years. The demography (a high number of married households and a diverse community) makes Spring one of the most popular cities near Houston for families.

If you are looking to buy a rent-to-own home or owner financing home because you can’t obtain a traditional mortgage, Spring offers you a wide range of options. In fact you can buy any Spring home you want regardless of your credit situation. Wondering how? Set an appointment today or browse a few of the Spring TX home listings below. Once you find your dream home in Spring, fill out the form on the listing page and a qualified realtor from Shop Owner Finance will get in touch with you to explain the process.

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Why buy a rent-to-own or owner financed home in Spring TX

spring real estate market


One of the biggest reasons people with bad or non-existent credit should consider buying a home in Spring TX is that it is one of the most affordable cities in Harris County near Houston. The median home price is about $180,000, but you can buy a starter home for just $120,000. A wide selection of homes – from mansions built on large plots to two-story homes – makes it possible for you to buy in any budget.

The median household income is better than the Texas average.

Diverse community

While over 40% of residents report their race to be white, Blacks or African Americans make up about 25% of the population. About 19% of people speak Spanish, while 77% English. Spring is also home to a thriving international community. It means that you will find it extremely easy to settle into your new Spring neighborhood after buying a home here.

Accessibility and amenities

Spring is popular among professionals and entrepreneurs because major employment centers including those in Downtown Houston are nearby. Spring offers easy access to amenities in other popular nearby communities including The Woodlands and Spring Creek.

Spring is an excellent place to raise a family because of several amenities such as parks, playgrounds, walking and hiking trails, golf courses (Cypresswood Golf Club), and a vibrant nightlife.

Top performing schools

The Spring Independent School District serves most areas of Spring TX, but some homes are zoned to Klein Independent School District and Conroe Independent School District. Many top-performing schools in these districts are in easy access. Below are some of the public and private elementary, middle, and high schools in Spring:

Elementary Schools

  • Galatas Elementary School
  • Bush Elementary School
  • Birnham Woods Elementary School
  • Kaufman Elementary School
  • Frank Elementary School
  • Theiss Elementary School
  • Ride Elementary School
  • Powell Elementary School
  • David Elementary School
  • Snyder Elementary School
  • French Elementary School
  • Hassler Elementary School
  • Broadway Elementary School
  • Dripping Springs Elementary School
  • Krahn Elementary School
  • China Spring Elementary School
  • Metzler Elementary School
  • Benignus Elementary School
  • Rooster Springs Elementary School
  • Walnut Springs Elementary School
  • Douglas Intermediate School
  • Brill Elementary School
  • Haude Elementary School
  • Ehrhardt Elementary School
  • Lemm Elementary School

 Middle Schools

  • Knox J High School
  • Cox Intermediate School
  • Dripping Springs Middle School
  • Doerre Intermediate School
  • China Spring Middle School
  • York J High School
  • Hildebrandt Intermediate SchoolStrack Intermediate School
  • Krimmel Intermed
  • Twin Creeks Middle School
  • Sulphur Springs Middle School
  • Kleb Intermediate School
  • North Hopkins High School
  • Wilkerson Intermediate School
  • Schindewolf Intermediate School
  • Vogel Intermediate School
  • Dueitt Middle School
  • Carrizo Springs J High School
  • Richland Springs School
  • Hughes Springs J High School
  • Rickey C Bailey Middle School
  • Apple Springs High School
  • Walnut Springs School
  • Big Spring J High School
  • Big Spring Intermediate School

 High Schools

  • The Woodlands High School
  • Dripping Springs High School
  • China Spring High School
  • Klein Oak High School
  • North Hopkins High School
  • Klein Collins High School
  • Sulphur Springs High School
  • Hughes Springs High School
  • Carl Wunsche Sr High School
  • Richland Springs School
  • Apple Springs High School
  • Walnut Springs School
  • Spring High School
  • Big Spring High School
  • Carrizo Springs High School
  • Big Spring Aep
  • Klein Annex

 Popular Spring TX neighborhoods

Some of the neighborhoods in Spring are very popular among credit-challenged home buyers. As already explained, the homes are more affordable in most Spring neighborhoods compared to the ones in nearby cities and suburbs. Here is a list of some of the most sought-after neighborhoods to buy a home in:

Lakes of Cypress Forest

Newly-constructed homes set in luscious greenery with miles of nature trails and picturesque lake views are several of the key aspects that attract new residents to Lakes of Cypress Forest. Regular commuters cherish this quiet neighborhood because of its 1.5-mile distance from I45 and easy access to downtown Houston.

Gleannloch Farms

Once home to premiere horses including ones from President Lyndon B. Johnson, Gleannloch Farms now boasts beautiful homes featuring the best of Acadian architecture. It’s quite attractive for a lot of families because of its extensive options for recreation and entertainment as well as the top-performing Klein Schools.

Champion Forest

With large homes on wonderful green lots abound, Champion Forest boasts a picturesque neighborhood fit for homeowners from all walks of life. There are near-endless recreational activities to do here thanks to its extensive amenities which include a 36-hole golf course.

Falls at Imperial Oaks

There are a lot of reasons for any aspiring homeowner to love Falls at Imperial Oaks such as top-notch schools in the Conroe ISD, shopping and entertainment as well as a 100-acre lake. With all these affluent sites and attractions, premiere properties here can cost as low as $240,000 making them easily available for first-time homebuyers.

Auburn Lakes

Auburn Lakes offers a haven for homeowners with most homes featuring a scenic view of either the lake or an 18-hole golf course. It also has a 7-acre recreational facility that offers water recreation and fitness activities. Since its located south of The Woodlands, residents have convenient access to its shopping, dining, and entertainment venues without paying for higher property values.

Other Areas to Buy Owner-Financed Homes in Spring

Bainbridge Estates

Cypresswood Glen Estates

Louetta Lakes

Spring Creek Oaks

Benders Landing

Devonshire Woods

Memorial Northwest

Spring Lakes

Country Lake Estates



Spring Trails



Oaks of Devonshire

Stone Forest

Cypresswood Glen

Legends Ranch

Spring Creek Forest

Terranova West

The Woodlands


Wimbledon Estates


How to buy a Rent-to-Own or Owner-Financed home with bad or no credit in Spring

Why would you want to buy a rent-to-own or an owner-financed home in Spring? The answer is obvious: you are probably struggling to obtain a conventional mortgage. However, before deciding to choose between these two options, you should take into consideration the following thing:

  • Rent-to-own listings in Spring are few and far between, while we can help you learn how to buy any Spring home with owner financing.
  • A rent-to-own financing arrangement doesn’t make you the owner of the home you are buying immediately, while the title is transferred in your name on the closing day in an owner financing arrangement.
  • Rent-to-own terms are fully customizable and if you are not careful, the terms you agree to may not be in your best interest. On the other hand, owner financing can make it possible to buy a home with terms more or less similar to a conventional mortgage. It means that you can obtain a 30-year-fixed rate mortgage with no pre-payment penalties. You can refinance any time and there is no need to make a balloon payment ( contrary to what you may have heard).
  • In both rent-to-own and owner-financing arrangements, you may be required to pay a large down payment.

Watch our clients explain how owner financing helped them fulfill their homeownership dream without credit checks or income verifications.

Araceli and her family relocated from California. Self-employed and unable to qualify for a loan, they used our program to get owner financing on a brand new home.
Referred by her loan officer, Rick, Barbara was able to finally get her dream home on the water in Galveston.
Aicha and her family purchased a brand new 5 bedroom home with owner financing and were so grateful to own a home even better than they thought was possible!

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