Think you can’t buy land because of bad credit or no credit history? Think again. For many working families across Texas — especially in the Rio Grande Valley — the dream of land ownership doesn’t have to come with complicated bank loans or high credit scores. If you’ve ever wondered how to find owner financing properties, you’re in the right place.
At Santa Cruz Properties, we believe that land ownership builds a better future. Since 1993, we’ve helped hundreds of families invest in affordable land in Edinburg, Robstown, Falfurrias, Starr County, and beyond — all through owner financing with no credit check required.
What Is Owner Financing?
Owner financing (also called seller financing or in-house financing) is when the seller of a property acts as the lender. Instead of going through a traditional bank loan, the buyer makes monthly payments directly to the seller.
Here’s how it compares:
| Traditional Loan | Owner Financing |
|---|---|
| Requires good credit | No credit check needed |
| Long approval process | Fast, easy approval |
| Bank controls the terms | Seller sets fair terms |
| Often requires 20%+ down | Flexible down payments |
With owner financing, you’re not judged by your credit score. You’re judged by your commitment to pay — and at Santa Cruz Properties, we make that as simple and fair as possible.
Why Owner Financing Works for Texas Families
Let’s be real: traditional banks don’t always serve rural families or hard-working Texans fairly. Many blue-collar families are self-employed, pay in cash, or have past credit challenges — but that doesn’t mean they shouldn’t own land.
Owner financing puts power back in your hands. It:
- Opens doors for first-time buyers
- Helps families build long-term equity
- Makes land affordable and attainable without red tape
At Santa Cruz Properties, we know our clients. We’ve worked with farm workers, construction crews, small business owners, and young couples just getting started. You deserve a chance to build your legacy.
Where to Look: How to Find Owner Financing Properties
Now that you know what owner financing is, let’s talk about how to find owner financing properties in Texas. These opportunities are out there — if you know where to look.
Start with Santa Cruz Properties
We offer a wide variety of land for sale with in-house owner financing. You can explore available lots in places like:
- Edinburg
- Robstown
- Falfurrias
- Starr County
- East Texas
These properties are available in sizes ranging from ½ acre to over 20 acres — perfect for home building, agriculture, or investment.
Avoid Scams and Pitfalls
Always work with trusted local land companies. Santa Cruz Properties has been serving Texas families for over 30 years. We walk you through the process step by step, with no pressure.
Tips for Buying Land with Owner Financing in Texas
Finding the right property is one thing — but knowing how to evaluate it is just as important. Here’s what you should keep in mind:
✅ Check the Location
Is the land close to where you work? Is it zoned for residential or agricultural use? We’ll help you find land that fits your life and budget.
✅ Understand the Terms
Ask about:
- Down payment amount
- Monthly payment schedule
- Interest rate
- Length of the loan
With Santa Cruz, all of this is explained in plain English. No hidden fees.
✅ Ask About Access and Utilities
Does the lot have road access? Water and electricity nearby? We’ll help you check every box.
Want help reviewing a property? Call us at (956) 383-0868 — we’ll walk you through your options.
Why Santa Cruz Properties Is the Best Choice for Owner Financing
When it comes to how to find owner financing properties, there’s no better partner than Santa Cruz Properties.
✅ Our Promise to You:
- No banks. No credit checks. Just land.
- In-house financing with flexible plans
- Friendly support from local experts
- Land available throughout South and East Texas
We’re not just selling lots — we’re helping families start their future. Whether you need a small ranchette or acreage for farming, we’ll help you get there.
Visit our Owner Financing page to learn more.
Common Questions About Owner Financing
Where can I find more information about owner-financed land?
You can find answers to all your questions on our FAQ page. We cover everything from down payments to title transfers.
Is there really no credit check?
That’s right. We don’t require a credit report. We focus on helping families who may have been turned away by banks.
How much land can I buy with owner financing?
We have parcels ranging from ½ acre up to 20+ acres. Whether you want to build a home, start a farm, or invest, we’ve got options.
What’s the process to get started?
Call us, visit our office, or check our property listings. We’ll walk you through every step.
Conclusion: Make Land Ownership Possible Today
If you’ve been wondering how to find owner financing properties, now you know: it starts with trust, local expertise, and a commitment to helping everyday Texans. At Santa Cruz Properties, we’ve made land ownership possible for thousands — all without banks or credit checks.
Ready to take the first step?
📞 Call us today at (956) 383-0868
📍 Visit us at 2810 N Closner, Edinburg, TX 78540
💻 Browse available properties here
Land ownership is possible — and we’re here to help you claim your piece of Texas.