3BR/2BA Owner Finance Home in Lancaster, TX | $210,000

Lancaster, TX 75146

Purchase price: $210,000

3 bed / 2 bath · 1,955 sqft · built 1901

$40,000 down · $2,171/mo · 2.99% fixed rate

What's special

About this home

This two-story home in Lancaster, TX offers 1,955 square feet with 3 bedrooms and 2 bathrooms. The front porch is covered, supported by columns, with a siding exterior and composition shingle roof. A two-car garage sits off the driveway. Inside, the kitchen features tile countertops and wood cabinetry. Bedrooms and living areas have carpet flooring, while the entry and kitchen areas show tile. The backyard includes a wood deck, a storage building, and a fenced tree line along the back edge of the lot. Built in 1901, this home blends an older structure with everyday functional spaces.

Status: Available

Terms on this home

How much is the down payment on this home?

$40,000. The down payment goes into a home you own: the deed is recorded in your name at closing, through a title company. If that feels like a stretch, tell our team what you have, because the down payment and the monthly payment move together.

What is the monthly payment?

$2,171 a month. A third-party company services the loan and documents every payment. A larger down payment lowers the monthly payment.

Is the interest rate fixed?

Yes. The rate on this home is 2.99%, fixed for the life of the agreement, and it is the same whatever your credit looks like.

Do I own the home at closing?

Yes. The deed is recorded in your name at closing, through a title company. This is not rent to own: there is no renting first and no option to exercise later. Close in as little as 14 days.

Is there a credit check to buy this home in Lancaster, TX?

No. No credit check, no bank and no mortgage application. Approval comes down to the down payment and steady income, and our team does a basic verification of what you earn.

Does no credit check really mean no credit check?

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