West Lake Hills, TX Owner-Financed & Rent-to-Own Homes (No Credit)

West Lake Hills’ magnificent collection of cozy homes set in the backdrop of beautiful views makes it one of the most sought-after residential markets in the greater Austin area (just like its neighbors Barton Creek, Rollingwood, and Tarrytown). Buyers are drawn to this suburb because of the rolling hills, exceptional schools, and convenient accessibility to the Austin metropolis. Although West Lake Hills has several properties that were part of the town since the early 50s, it continues to maintain its aura of affluence with newer developments adding a cozy luxurious vibe reminiscent of a countryside vacation cabin.

Borrowers in West Lake Hills or anywhere in the 78746 zip code area can explore the perks of owner-financing should banks and other established lenders consider them unqualified for a conventional loan. Buying a home with this type of arrangement allows them to choose their ideal property without credit or income verifications. Like a bank-approved homebuyer, owner-financing offers a 30-year amortization period and borrowers can also make payments in advance without penalties.

This guide will help you learn how to leverage owner-financing to make your dream of owning a home here a reality regardless of your credit situation:

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Why Buy an Owner-financed Home in West Lake Hills, TX (78746)?

Here are a few reasons why should consider buying a home in West Lake Hills:

  • The median listing price hovers around $2,600,000; however, you will be able to find listings ranging from $495,000 to $600,000.
  • West Lake Hills has a diverse inventory of homes with each property varying in style, age, and size. As mentioned, it continues to draw a lot of newcomers and the average number of properties listed is limited to 20 most.
  • The clean, tree-lined streets of West Lake give it a unique small-town charm even if it's nestled within a larger metropolitan area. The natural beauty of the rolling hills creates a relaxing vibe.
  • West Lake Hills is home to some of the luxurious amenities with nearby Barton Creek Green offering 12 miles of beautifully-paved trails for hiking and biking along with a freshwater reservoir for kayaking and swimming.
  • The Famous Austin Country Club gives residents near-exclusive access to an 18-hole golf course along with the conveniences that come with the facility.
  • Its short distance from downtown Austin means residents can enjoy fine dining and entertainment venues without being dragged into all the hustle and bustle.
  • West Lake Hills is part of an award-winning public education system and some of the most renowned schools include Forest Trail Elementary, Hill Country Middle, and Westlake High.

Most Pflugerville Neighborhoods for Owner-Financed Homes

The Park at Wellspoint

This suburban neighborhood features modern houses with smart options set in a quiet, well-developed community. It’s minutes away from HEB, The Domain, and several tech company offices while I-35 provides convenient routes to the cities of Round Rock and Austin.

Becker Farm

Featuring the best of modern suburban living with easy access to all what’s happening in the city thanks to its proximity to TX-130. It offers convenient routes and shorter commute times for the area’s most prominent shops and restaurants including the famous Stone Hill Town Center.


This gives suburban living a stronger sense of community through its great schools, amazing amenities, and diverse recreational opportunities. The area’s well-designed landscaping is a welcome getaway from the regular hustle and bustle of the city.

Most Popular West Lake Hills Neighborhoods for Owner-Financed Homes


Featuring some of the most luxurious properties within the greater West Lake Hills area, Shadowood offers the finest in modern suburban living, this side of Central Texas. Homes in the area sit on expansive lots that either have their own backyard pool or mini livable woodlands.


The manor-style homes around Stoneywood boast some of the newer developments around West Lake Hills. This small and intimate community is close to some of the most prominent cultural centers including the Eanes History Center and the Westlake Community Performing Arts Center.

Los Rincones

This tight, intimate community offers a magnificent view of the hillside overlooking the Wild Basin Wilderness Preserve. It shares the distinct affluent home designs with its West Lake neighborhoods but the expansive lots and manor-style houses make these properties feel more like estates than single-family homes.

Other Areas to Buy Owner-Financed Homes in West Lake Hills

Skyline Terrace

Las Lomas

Bluff Above Bee Cave

Stonehedge Estates

Liveoak Terrace

Seven Oaks

Wren Valley

Wood Trail Estates

Las Brisas

Westlake Crossroads

Overlook At West Lake

Red Bud Hills

Lakeview Gardens

Yaupon Valley at Wild Basin

Rainbows End Estates

Estates At Blackacre

Alpine Slopes



Vista De La Cima

Rocky River Cove


How to Buy an Owner-financed Home in West Lake Hills (78746)

Owner-financing is becoming a popular alternative for credit-challenged homebuyers who struggle to get mortgage approvals. Unlike the more popular, rent-to-own owner-financing gives you the flexibility of a conventional mortgage without having to document your income and credit history for verification. Just like a bank-approved homebuyer, it also gives you a 30-year amortization period with an opportunity to refinance through a conventional lender without pre-payment penalties.


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