Owner Finance Real Estate Contract Homes For Sale

Real Estate Contracts also known as Owner Financing can allow you to buy a home without possibly having to meet the strict mortgage lending requirements. This can make for a quicker closing and get you ownership in your new home. This is far better than renting as you get the benefits of ownership.

So what do you need to do?

You need to have a down payment. Typically 10% is the best however we have worked with less. 

Find a seller willing to hold the note for you and give you time to refinance the property at a later date.

MLS Owner Finance Listings

• All Listings
• Under $100,000
• $100,000 - $200,000
• $200,000 - $300,000
• $300,000 - $400,000
• $400,000 - $500,000
• $500,000 - $600,000
• $600,000 - $700,000
• $700,000 - $800,000
• $800,000 - $900,000
• $900,000 - $1,000,000
• Over $1,000,000

Bedrooms

Bathrooms

Price Range

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Price, high to low

$2,275,000

13716 Canada Del Oso Place Ne, Albuquerque

6 Beds 9 Baths 10,184 SqFt Residential MLS® # 1069655

Q Realty

$1,299,000

1504 N Lucyle Place Nw, Albuquerque

4 Beds 3 Baths 4,411 SqFt Residential MLS® # 1096192

Real Broker, LLC

Open House

$1,075,000

↓ $75,000

1518 20th Avenue Se, Rio Rancho

4 Beds 4 Baths 2,933 SqFt Residential

Open House

Sat, Feb 14th, 2026 @ 12pm - 2pm

MLS® # 1091492

LPT Realty

$1,050,000

51 Rock Ridge Drive Ne, Albuquerque

3 Beds 4 Baths 4,181 SqFt Residential MLS® # 1096846

Coldwell Banker Legacy

$1,035,000

↓ $140,000

9117 Luna Del Oro Road Ne, Albuquerque

4 Beds 3 Baths 5,560 SqFt Residential MLS® # 1093091

RE/MAX SELECT

$999,999

↓ $125,001

6511 Vista Del Prado, Albuquerque

4 Beds 4 Baths 2,989 SqFt Residential MLS® # 1083634

ERA Summit

$975,000

9514 Kandace Drive Nw, Albuquerque

4 Beds 3 Baths 2,741 SqFt Residential MLS® # 1096908

Realty One of New Mexico

$975,000

103 Fernleaf Court Nw, Albuquerque

4 Beds 4 Baths 3,284 SqFt Residential MLS® # 1093991

The Maez Group

New

$950,000

3212 Calle De Estella Nw, Albuquerque

4 Beds 4 Baths 5,179 SqFt Residential MLS® # 1098061

Keller Williams Realty

$950,000

↓ $15,000

2324 Venada Road Ne, Rio Rancho

4 Beds 3 Baths 2,843 SqFt Residential MLS® # 1094278

Realty One Group Concierge

$865,000

↓ $20,000

9705 Pebble Beach Drive Ne, Albuquerque

4 Beds 4 Baths 3,972 SqFt Residential MLS® # 1095093

Congress Realty, Inc

$860,000

9845 Buckeye Street Nw, Albuquerque

4 Beds 3 Baths 2,389 SqFt Residential MLS® # 1090479

Keller Williams Realty

New

$849,900

3821 Commercial Street Ne, Albuquerque

3 Beds 3 Baths 5,357 SqFt Residential MLS® # 1098031

The Maez Group

New

$825,000

2304 La Vista Court Nw, Albuquerque

4 Beds 4 Baths 3,760 SqFt Residential MLS® # 1097980

LPT Realty

$799,900

7923 Tiburon Hills Drive Nw, Albuquerque

5 Beds 5 Baths 3,483 SqFt Residential MLS® # 1097094

The Maez Group

Open House

$775,000

↓ $24,000

13451 Desert Hills Place Ne, Albuquerque

4 Beds 4 Baths 3,177 SqFt Residential

Open House

Fri, Feb 13th, 2026 @ 11am - 2pm

MLS® # 1094477

EXP Realty LLC

$765,000

↓ $34,000

24 Los Balcones Place Ne, Rio Rancho

6 Beds 5 Baths 4,223 SqFt Residential MLS® # 1088318

Regal Real Estate Experts

$695,000

↓ $10,000

4308 Summer Hill Lane Nw, Albuquerque

4 Beds 3 Baths 2,827 SqFt Residential MLS® # 1093912

LPT Realty

$695,000

↓ $15,000

12800 Northern Sky Avenue Ne, Albuquerque

3 Beds 3 Baths 2,470 SqFt Residential MLS® # 1089991

Affordable Realty Services Inc

$675,000

↓ $10,000

3002 Turquesa Loop Se, Rio Rancho

5 Beds 4 Baths 3,070 SqFt Residential MLS® # 1096232

Coldwell Banker Legacy

$650,000

5726 Wood Road Sw, Albuquerque

5 Beds 3 Baths 2,681 SqFt Residential MLS® # 1095844

Keller Williams Realty

New

$629,500

2105 New York Avenue Sw, Albuquerque

4 Beds 4 Baths 0 SqFt Residential MLS® # 1098079

Yellowstone Realty Group

$629,000

↓ $45,900

2105 New York Avenue Sw, Albuquerque

4 Beds 4 Baths 2,524 SqFt Residential MLS® # 1095862

Keller Williams Realty

$610,000

1015 Monroe Street Ne, Albuquerque

4 Beds 3 Baths 2,044 SqFt Residential MLS® # 1094430

NM Home Masters, LLC

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