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

New

$3,880,000

9400 Elena Drive Ne, Albuquerque

6 Beds 7 Baths 8,000 SqFt Residential MLS® # 1110259

Keller Williams Realty

$2,350,000

↓ $224,000

10310 Signal Avenue Ne, Albuquerque

4 Beds 5 Baths 4,598 SqFt Residential MLS® # 1101971

Simply Real Estate

$1,625,000

↓ $64,000

12055 Elena Drive Ne, Albuquerque

4 Beds 4 Baths 3,609 SqFt Residential MLS® # 1103342

Keller Williams Realty

Open House

$1,199,000

↓ $100,000

1504 N Lucyle Place Nw, Albuquerque

4 Beds 3 Baths 4,411 SqFt Residential

Open House

Sat, Sep 19th, 2026 @ 11am - 2pm

MLS® # 1096192

Real Broker, LLC

$1,150,000

5005 Alberta Avenue Ne, Rio Rancho

4 Beds 4 Baths 3,182 SqFt Residential MLS® # 1103109

Keller Williams Realty

$1,008,888

6225 Coors Boulevard Sw, Albuquerque

3 Beds 2 Baths 1,508 SqFt Residential MLS® # 1108411

American Home Realty

$975,000

2021 Santa Ana Road Ne, Rio Rancho

4 Beds 3 Baths 3,025 SqFt Residential MLS® # 1104389

EXP Realty, LLC

$912,000

↓ $21,900

7209 Vista Del Arroyo Avenue Ne, Albuquerque

3 Beds 5 Baths 3,524 SqFt Residential MLS® # 1106737

Huynh Win Real Estate Group

$905,900

↓ $19,100

2398 Istle Road Ne, Rio Rancho

4 Beds 4 Baths 2,944 SqFt Residential MLS® # 1099304

Keller Williams Realty

$899,000

8024 Canoncito Drive Nw, Albuquerque

4 Beds 5 Baths 3,520 SqFt Residential MLS® # 1107445

Pointer Realty

$880,000

↓ $95,000

715 Parkland Circle Se, Albuquerque

4 Beds 2 Baths 2,979 SqFt Residential MLS® # 1102721

Coldwell Banker Legacy

New

$849,000

5900 Lilac Place Ne, Rio Rancho

4 Beds 3 Baths 2,424 SqFt Residential MLS® # 1110233

LPT Realty

$825,000

↓ $50,000

3723 Alamogordo Drive Nw, Albuquerque

4 Beds 4 Baths 3,576 SqFt Residential MLS® # 1105405

The Maez Group

$825,000

↓ $14,900

1008 22nd Street Nw, Albuquerque

4 Beds 3 Baths 2,594 SqFt Residential MLS® # 1099017

Keller Williams Realty

$815,000

↓ $15,000

9845 Buckeye Street Nw, Albuquerque

4 Beds 3 Baths 2,389 SqFt Residential MLS® # 1104726

Keller Williams Realty

$799,900

↓ $24,600

3821 Commercial Street Ne, Albuquerque

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

The Maez Group

$788,888

505 12th Avenue Se, Rio Rancho

5 Beds 4 Baths 3,413 SqFt Residential MLS® # 1106646

Coldwell Banker Legacy

$725,000

↓ $25,000

12800 Northern Sky Avenue Ne, Albuquerque

3 Beds 3 Baths 2,442 SqFt Residential MLS® # 1108253

Berkshire Hathaway NM Prop

$689,000

924 Valverde Drive Se, Albuquerque

3 Beds 2 Baths 2,807 SqFt Residential MLS® # 1103160

Berkshire Hathaway NM Prop

$675,000

↓ $14,999

8722 Sevano Circle Ne, Albuquerque

4 Beds 4 Baths 2,545 SqFt Residential MLS® # 1100303

Keller Williams Realty

$639,900

↓ $10,100

7129 Isleta Boulevard Sw, Albuquerque

4 Beds 2 Baths 2,379 SqFt Residential MLS® # 1099849

Keller Williams Realty

$625,000

↓ $10,000

1209 11th Street Se, Rio Rancho

4 Beds 4 Baths 2,802 SqFt Residential MLS® # 1107075

Re/Max Exclusive

$599,000

3447 Blake Road Sw, Albuquerque

3 Beds 3 Baths 2,046 SqFt Residential MLS® # 1108491

Simply Real Estate

$579,900

↓ $18,100

10029 Guadalupe Trail Nw, Albuquerque

3 Beds 3 Baths 2,630 SqFt Residential MLS® # 1106417

Realty One of New Mexico

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