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Owner Financing Homes in Albuquerque

Find homes with owner financing available in Albuquerque, New Mexico. Seller-financed homes offer flexible terms, faster closings, and an alternative path to homeownership without traditional bank qualifying.

Showing 62 listings in Albuquerque. Want to refine your search? Use our Advanced Home Search to filter by price, bedrooms, features, and more.

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NEW CARPET! Charming 3 bed 2 bath single-story home, sitting on spacious 0.17 acres in North Valley with backyard access! Modern updates from inside out! With an open-concept layout featuring wood look tile, navy cabinets, butcher wood countertops, large island seating & stainless steel appliances! Primary suite with private bath & walk in closet! 2 additional spacious bedrooms, full laundry room with storage! Outside, you'll find covered back patio open to fenced backyard with storage shed & carport! Potential for ADU/Casita, workshop or private parking! New roof 2021 Refrigerated AC/furnace, water heater, flooring, full kitchen/living remodel in 2023. Blends timeless 1940s character w modern comfort move-in ready!

3
BEDS
2
BATHS
1,556
SQFT
0.19
ACRES

Welcome to this beautifully remodeled 3 bedroom, 2 bath home that offers a bright, open floor plan that's perfect for both everyday living and entertaining. The updated interior features modern finishes, a spacious living area, and a seamless flow into the kitchen and dining space. The primary suite includes its own private bathroom, while the additional bedrooms provide flexibility for family, guests, or a home office. With thoughtful updates throughout, this home is move in ready and designed for comfortable living!

3
BEDS
2
BATHS
1,150
SQFT
0.12
ACRES

Located in the El Paseo Townhome community, this single-level townhome offers 2 bedrooms, 2 baths, and over 1,100 sq ft of comfortable living space. Vinyl plank flooring and tile throughout means no carpet. Soaring ceilings create an open feel in the living area, while the primary bath features a remodeled shower and new vanity. Sliding patio doors from both the dining area and primary suite lead to the private backyard. The home offers evaporative cooling, furnace replaced 2024, a new roof to be installed, and the opportunity to add your own personal touches. Located across from the community pool and hot tub, with an assigned parking space PLUS detached single-car garage. Best guest parking in the community. Convenient access to parks, shopping, dining, Tanoan, AND in La Cueva District!

2
BEDS
2
BATHS
1,110
SQFT
0.04
ACRES

Discover this Southwestern adobe gem in the historic Alameda neighborhood of Albuquerque's coveted North Valley. This beautifully maintained 2,630sf, 3bed, 3bath home blends authentic New Mexico character with modern comfort, featuring exposed viga ceilings, soaring 11-foot ceilings in the main living area, and an outdoor terrace with stunning Sandia Mountain views.The home combines the craftsmanship and charm of an original adobe residence with a thoughtfully integrated frame addition. The main level features new epoxy flooring throughout the living areas, while classic Saltillo tile in the kitchen honors the home's adobe heritage. Upstairs carpeted bedrooms provide warm and comfortable retreats. Recent improvements include a new TPO roof and a freshly sealed and painted stucco exterior

3
BEDS
3
BATHS
2,630
SQFT
0.16
ACRES

Spacious single-family home on a generous 31,799 sq ft lot with 1,725 sq ft of living space. Features durable tile and laminate flooring, bright living areas, and room to add a casita. Property allows farm animals and offers plenty of outdoor space for hobby farming, gardening, or expansion. Convenient location with owner financing available for qualified buyers. Great opportunity for flexible terms and rural-living potential close to city amenities.

3
BEDS
2
BATHS
1,725
SQFT
0.73
ACRES

Great NE Heights 2 story 2 bed 2 bath with 1 car garage, this is a turnkey property. An incredible location close to great restaurants and shopping. HOA that covers some water, trash, roof, stucco, fencing and maintenance of common areas. Owner Financing Available.

2
BEDS
2
BATHS
968
SQFT
0.17
ACRES
$315,000
+15,000$ 06/29

Welcome to this well-maintained 3-bedroom, 2-bath townhome offering approximately 1,611 square feet of comfortable living in a desirable Northwest Albuquerque neighborhood. The inviting floor plan features spacious living areas filled with natural light, creating an ideal space for both relaxing and entertaining. The kitchen offers generous cabinet and counter space, while the private primary suite includes an en-suite bath and ample closet storage. A two-car garage, private patio, and low-maintenance yard add to the home's everyday convenience. Thoughtfully cared for and move-in ready, this home combines comfort, functionality, and an excellent location close to shopping, dining, parks, and everyday amenities.

3
BEDS
2
BATHS
1,586
SQFT
0.1
ACRES
$274,900
+5,000$ 07/04

Perfect One Level 4-bedroom 1 bath starter home. This SW Charmer sits on a Large corner lot with Backyard Access. Conveniently located next to parks and schools. This property is clean and available with Owner Financing.

4
BEDS
1
BATHS
1,390
SQFT
0.16
ACRES

Welcome to this beautifully maintained, like-new two-story home in the sought-after Mesa del Sol community. The bright, open-concept floor plan features high ceilings, abundant natural light & a spacious living area ideal for everyday living & entertaining. The stylish kitchen showcases quartz countertops, stainless steel appliances, a generous pantry & a deep utility/storage closet. Also included is a central vac & a new A/C unit that was replaced in 2025. --Upstairs, the primary suite offers stunning mountain views, dual vanities, a walk-in shower & an oversized walk-in closet. Two additional bedrooms provide versatile space for family, guests, or a home office. Step outside to a covered patio and low-maintenance backyard--perfect for relaxing or gathering with friends.

3
BEDS
3
BATHS
1,879
SQFT
0.09
ACRES

An amazing estate to call your own. The home is filled with warmth and luxury! Extensive remodel by Rutherford in 2019. Gourmet kitchen w/ quartzite counters, Subzero fridge, Viking 6-burner range +griddle, warming drawer, dbl ovens, 2 dishwashers, 2 butler's pantries. Expansive primary suite with sitting area, F/P, remodeled bathroom and walk-in closet. Home theater + billiard room/entertainment space off bar/beverage center: 2 wine frig + full size frig. Entertainer's paradise: magnificent landscape provides a charming. lush resort ambiance w/ covered portals, brick patios, heated gunite pool/electric cover, vine covered gazebo w/ F/P. Lovely separate casita: 1 bedroom, living space and mini kitchen. Adtl/area for building a barn/shop, etc Tour this amazing estate for yourself!

5
BEDS
5
BATHS
6,027
SQFT
1.34
ACRES

OWNER TO OWNER Financing Available! Thoughtfully designed and meticulously maintained, this charming two-story home offers a rare blend of character, comfort, and style. Elegant archways and lush landscaping create a warm welcome, while the bright, open floor plan showcases distinctive finishes, updated flooring, and a stylish kitchen with stainless steel appliances and ample cabinetry. Natural light fills the inviting living spaces and spacious bedrooms. Outside, the fully landscaped backyard features a stunning gazebo and patio area, creating the perfect setting for relaxing or entertaining. Clean, move-in ready, and conveniently located near shopping, dining, schools, and everyday amenities. Pride of ownership shines throughout this well-cared-for home, making it a standout opportunity.

3
BEDS
3
BATHS
1,362
SQFT
0.08
ACRES

Move-in-ready 2-bedroom, 3-bath townhome in a convenient Northeast Albuquerque location! This updated home features wood-look flooring throughout, fresh neutral finishes, a spacious living room with a fireplace, and an updated kitchen with modern cabinetry and granite-look countertops. Upstairs, both bedrooms offer privacy and easy access to remodeled bathrooms featuring stylish tile surrounds. A downstairs powder bath, in-unit laundry area, and private fenced courtyard provide added convenience and functionality. Close to shopping, dining, parks, schools, and major commuter routes, this low-maintenance property is ideal for first-time buyers, investors, or anyone looking for affordable homeownership in the heart of Albuquerque.

2
BEDS
3
BATHS
1,042
SQFT

You will love this classic mid-century Mossman in the heart of desirable Stardust Skies, just minutes from Uptown. This light-filled single-story charmer offers 3 bedrooms, two inviting living areas plus formal and family dining areas. Cozy up to the gas-log fireplace in the family room, complete with custom built-ins and a built-in audio system, and gather in the eat-in kitchen with refinished cabinets and hard-surface counters. Enjoy year-round comfort with owned solar, refrigerated air, Andersen dual-pane windows and doors with newer window coverings, and a 2021 roof. The oversized 0.42-acre corner lot offers a beautiful irrigated SW xeriscape, covered patio with skylights, an RV pad, and a 384 sq. ft. casita with mini-split and bathroom. Welcome home!

3
BEDS
3
BATHS
2,378
SQFT
0.42
ACRES

Charming property on a spacious lot in a convenient Albuquerque location! This home features updated flooring, neutral finishes, abundant natural light, and a functional floor plan. Enjoy plenty of off street parking with a large covered carport and room for RVs, vehicles, or recreational toys. The backyard is ideal for entertaining with a covered deck, gazebo, mature trees, and ample outdoor space. Conveniently located near parks, schools, shopping, dining, and major commuter routes. A great opportunity for an owner occupant or investor looking for space, flexibility, and value. Schedule your showing today!

2
BEDS
1
BATHS
721
SQFT
0.15
ACRES

Beautifully maintained and thoughtfully upgraded, this spacious home offers comfort, flexibility, and great indoor-outdoor living. TRANE HVAC units provide efficient year-round comfort, while the covered patio, gas Kiva fireplace, and hot tub-ready pad create an ideal setting for relaxing or entertaining. The kitchen features KitchenAid stainless steel appliances and opens to generous main-level living spaces, including a large dining area and living room. Upstairs, multiple bedrooms and a versatile bonus room offer flexibility for a bedroom, office, media room, or additional living space. With over 3400+ square feet and access to a community park and pool, this home combines space, function, and amenities in a great location. Be sure to check out the list of upgrades!

5
BEDS
3
BATHS
3,406
SQFT
0.17
ACRES

Welcome to paradise hills, home features new furnace, new A/C. New kitchen cabinets, granite countertops, SS appliances, the dining area opens to the backyard through a sliding door, large pantry room with built-in shelving, Warm Saltillo tile flooring runs through the main living areas, complementing the fireplace in the living room. From here, a huge sliding door leads to a generous covered back porch, perfect for relaxing or entertaining. Bathrooms feature beautifully tiled walls, bedrooms include new black ceiling fan fixtures, .25 acre with backyard access from both sides room for vehicles, toys, gardening, or future projects. Across the street, a large, green park ideal for walks, playtime, or simply enjoying the outdoors.

3
BEDS
2
BATHS
1,573
SQFT
0.24
ACRES

Come, take a look at this stunning Siara floor plan in a beautifully landscape gated community with forever views! This energy efficient Home features a stunning kitchen with granite countertops, Beautiful cabinetry, and tile flooring. The open dining and living area lead you to a private , landscape walled backyard. The primary suite offers a double vanity and a luxurious 5 foot walk-in shower. Enjoy walking trails, community gardens, gathering areas in one of the newest gated subdivisions.

3
BEDS
2
BATHS
1,557
SQFT
0.1
ACRES

Beautifully crafted custom home in the prestigious Corona Del Sol community on a gated 0.27-acre lot. This 3,576sf residence offers 5 bedrooms, 3.5 bathrooms, two living areas, and a 3-car garage. Stunning front living area with a gas fireplace and soaring beamed ceiling. Chef's kitchen featuring designer cabinetry, premium granite countertops, a commercial-grade range, custom hood, designer backsplash, island with seating, and pantry. Dining area with a built-in wet bar. Luxurious owner's suite with a fireplace and spa-like bath complete with dual vanities, a soaking tub, tiled walk-in shower, & walk-in closet. Open-concept main living space with a fireplace, seamlessly connecting to the kitchen for entertaining. Serene outdoor oasis featuring a fully walled yard, lush landscaping & patio

4
BEDS
4
BATHS
3,576
SQFT
0.27
ACRES

Luxury, Location & Unforgettable Views - Motivated Sellers!Welcome to this exceptional custom home offering over 3,640 square feet of thoughtfully designed living space in one of Albuquerque's most desirable locations. Nestled on a quiet cul-de-sac and just 6 minutes from I-40, you'll enjoy quick access to shopping, dining, and commuting while still feeling tucked away in a peaceful setting.Step outside your front door and you're just steps from a beautiful neighborhood park featuring breathtaking panoramic views of the Sandia Mountains, the Rio Grande Valley, and sparkling city lights--perfect for morning walks, evening sunsets, and outdoor recreation.From the impressive covered circular driveway and grand columned entrance to the soaring ceilings and expansive living areas, this ho

4
BEDS
3
BATHS
4,469
SQFT
0.26
ACRES

Nestled in the desirable Laurelwood community, this extraordinary 5-bedroom residence is more than a home--it's a work of art. Designed with impeccable attention to detail, distinctive character, and refined finishes, it offers a rare opportunity for buyers seeking something truly unforgettable. The resort-style backyard features a sparkling swimming pool and relaxing jacuzzi/spa, creating the ultimate private retreat. The primary suite boasts a private balcony with breathtaking Sandia Mountain and Albuquerque city views. Upgrades include refrigerated air, an updated kitchen, new flooring throughout, a converted full bathroom, added 5th bedroom, expanded driveway, extended stucco improvements, security bars on all windows, and a timeless tile roof. Minutes from I-40, shopping, & dining.

5
BEDS
3
BATHS
2,300
SQFT
0.12
ACRES

Come see this nicely updated unit in the popular Eagle's Nest Gated community. This property boasts new stainless steel appliances, refrigerated air, and an updated Kitchen. Eagles Nest is a community that offers various courtyards, a community pool, laundra and pet areas and a gated entrance for extra security. Property is located near Kirtland Air Force Base, UNM and easy, quick acces to I-25. Please see LO/SO comments or call Listing Broker for Owner Financing options.

1
BEDS
1
BATHS
562
SQFT

This home has been completely renovated and is move-in perfect. Everything here listed is brand new in the past 9 months: TPO roof, synthetic stucco, thermal windows, water lines throughout the home to city main, sewer line to the street, electrical service and panel, HVAC, plumbing throughout, entire garage is new construction, and so much more...

2
BEDS
1
BATHS
1,015
SQFT
0.2
ACRES

This home has been completely renovated and is move-in perfect. Everything here listed is brand new in the past 9 months: TPO roof, synthetic stucco, thermal windows, water lines throughout the home to city main, sewer line to the street, electrical service and panel, HVAC, plumbing throughout, entire garage is new construction, and so much more...

2
BEDS
2
BATHS
924
SQFT
0.15
ACRES

Brand-new custom home in the coveted Knolls at Paradise Hills--no HOA! This 2,389 sq ft residence offers 4 bedrooms, 3 baths, and an oversized 3-car garage on a corner lot with room to park your RV, boat, or expand the backyard. Inside, enjoy quartz countertops, custom cabinetry, a kitchen island, walk-in pantry, designer lighting, and rich tile flooring beneath dramatic vaulted ceilings. The serene primary suite boasts a walk-in shower, garden tub, private water closet, and walk-in closet. Step outside to a covered patio with a built-in outdoor kitchen--perfect for effortless entertaining. Refined, move-in ready, and minutes from shopping, dining, and amenities. Come see it today!

4
BEDS
3
BATHS
2,389
SQFT
0.19
ACRES

Beautiful home 4 bedroom 2 bathroom, in the heart of the South Valley. many recently upgrades remolded kitchen, flooring and bathrooms . HUGE den and covered patio perfect for your family gathering.

3
BEDS
2
BATHS
1,956
SQFT
0.15
ACRES
Daria Derebera Realtor

Daria Derebera

Real Estate Broker in Albuquerque, NM

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