Owner Financing Homes in Rio Rancho

5413 E Village Avenue NE, Rio Rancho

Introducing a Beautiful Home in the desirable Mariposa Subdivision in Rio Rancho, NM. This lovely home features 3 bedrooms and 3 bathrooms, perfect for those seeking a comfortable living space. The two-car garage provides ample parking and storage space. Enjoy cooking in the modern kitchen equipped with a convenient double oven. Cozy up by the gas log fireplace on chilly evenings. Don't miss out on this fantastic opportunity to make this house your home.

5900 Lilac Place NE, Rio Rancho

Welcome to Rio Rancho Estates! This spacious 2434 sqft home offers a 6 car garage and 3 bedrooms with the potential for a 4th bedroom. 3 bathrooms and plenty of room to live, work and entertain. The flexible floor plan provides multiple living spaces and versatility. Step outside to your own backyard oasis featuring a custom swimming pool perfect for enjoying New Mexico's sunny days.

3140 Kacie Road NE, Rio Rancho

$20,000 Buyer Incentive!!! | Nearly New Parklane | Single-Level Living Opportunity is knocking! This spacious Parklane offers approximately 2758 square feet entirely on one level, with 4 bedrooms, a den/office and 3.5 baths. With new construction in the neighborhood nearing completion, this floorplan and combination of size and single-story living are no longer readily available.The open-concept kitchen, dining and living areas create an impressive central gathering space, while the upgraded guest ensuite offers a private bedroom and bath. A versatile den/office provides additional space for work, hobbies or whatever fits your needs.A large center-sliding glass door extends the living area to an oversized covered patio, creating a seamless indoor-outdoor connection. Thoughtful builder upgrades throughout mean the work is already done--no construction timeline, no waiting for completion.PLUS: Seller is offering a $10,000 buyer credit toward allowable closing costs or interest-rate buy-down with an acceptable offer. Get the space, upgrades and single-level floorplan that's becoming increasingly difficult to find in this neighborhood--and make it yours now.

3324 19th Avenue SE, Rio Rancho

If you enjoy viewing the Balloons from your own home, check out this beautiful property. Better yet, if you fell in love with NM during Fiesta, schedule your showing now! Welcome home to 3324 19th Avenue! Step through the front door into a bright, open layout where the living, dining, and great room flow togethe, plenty of room to gather, entertain, and celebrate. Just off the great room, a private office with French doors makes an ideal 4th bedroom, home workspace, or study. The beautifully renovated kitchen shines with granite countertops and crisp white cabinetry, and the updated bathrooms carry the same fresh, modern feel. Fresh carpet and paint in 2026 give the great room area a move-in-ready glow. Owned solar panels keep energy costs low while powering comfortable refrigerated air conditioning all summer long. Out back, you'll find a standout finished garage building of more than 700 square feet, perfect for a workshop, studio, gym, or extra storage. The entire back property is covered in mulch to keep weeds and goatheads at bay, and convenient backyard access opens up endless possibilities for projects, toys, or expansion. Lots of trees, including pecan, persimmon, apricot, granny smith apple and pear. Mountain views greet you from several spots around the property, including the kitchen sink and the office. Balloon Fiesta views are like none other! Inside, the oversized laundry room offers abundant storage and a stackable washer and dryer, and all appliances convey. Best of all, you're just moments from Haynes Park (favorite of the Seller), Intel, Rust Medical Center, and plenty of shopping and dining.

6058 Cottontail Road NE, Rio Rancho

Welcome to River's Edge. Ask about the seller's point buy-down offer! This well maintained, freshly painted home has updated kitchen appliances, a breakfast nook and a full dining room flowing into a large living room and then on to the ample bedrooms. Plumbing has been updated to remove Polybutylene water lines. Newer roof, HVAC and water heater for peace of mind and a large, two car garage with room for a workspace. Out back there's both covered and open patios with nice views of the Sandia and Manzano mountains. Leave the clean, graveled landscaping as is for low maintenance living or flesh things out with additional xeriscaping. Easy access to the North Bosque Trail leading to miles of Rio Grande birding, hiking or biking.

1598 Perma Drive NE, Rio Rancho

FRESHLY PAINTED, BEAUTIFULLY RENOVATED & MOVE-IN READY! Welcome to 1598 Perma Drive, a beautifully maintained North Hills home offering an incredible combination of updates, privacy, outdoor space, and location. The entire interior of the home, including the interior of the garage, was freshly painted in August 2026, giving the property a clean, fresh feel from the moment you walk in. When the current owner purchased the home in 2023, the property had recently undergone several improvements, including an updated roof and refrigerated air system, adding to the home's overall comfort and appeal. The property features a spacious backyard with no neighbors directly to the north, plus a conveniently located neighborhood park just beyond the property. Whether you envision entertaining, relaxing, or creating your own backyard oasis, the outdoor space offers plenty of possibilities. Additional neighborhood parking to the east is another bonus when hosting friends and family. Inside, you'll find a functional floor plan with the primary suite separated from the secondary bedrooms, providing additional privacy while maintaining a comfortable flow throughout the home. Beautifully maintained, thoughtfully updated, freshly painted, and ready for its next owner, this home is one you won't want to miss. Seller is open to a Real Estate Contract (REC) and willing to consider flexible terms, creating a unique financing opportunity for the right buyer. Schedule your private showing today!

51 Prestwick Court SE, Rio Rancho

***Open House 10/02 2:00 to 6:00 & 10/3 & 10/04 11:00 to 4:00******Seller is offering $10,000.00 Buyer Credit.***Seller is also offering REC***Terms Are: 7% Interest Rate, 20% Down Payment, 3 Year Call.*** This Gorgeous 2609 sq ft Pulte Home is located in the prestigious Willow Trace Chamisa Hills Community in the Heart of Rio Rancho. Just minutes away from Intel and Presbyterian Clinic. Featuring a versatile floor plan with 3 bedrooms, 2.5 baths, Upstairs Loft, Soaring high ceilings providing tons of natural light, and a beautiful Kiva Fireplace. Grand Gourmet Kitchen offering Corian counters, newer appliances, a pantry, and a cozy breakfast nook. Additional Kitchen upgrades such as a Butler's pantry, workspace/desk area, and kitchen island with bar seating provide plenty of space for everyone. The picture windows, wooden accents, and niches give this home an extra luxurious touch. Large Primary suite boasts an en-suite full bath with dual sinks, garden tub, separate shower, coffee/wet bar, window seating and walk-in closet. Admire the views from either Balcony, there are 2 to choose from! The low maintenance backyard has been meticulously maintained and offers Xeriscaped landscaping, covered patio, and best of all - an inground outdoor lighting system. Other features include a water softener and purifier system, refrigerated air. Don't wait to make an appointment to see this great home today.

3507 Saint Andrews Drive SE, Rio Rancho

SELLER IS OFFERING $20,000 TO BUYERS FOR INTEREST BUY DOWN, CLOSING COSTS OR PRICE REDUCTION! OWNER FINANCING OPTION ALSO AVAILABLE. Set on nearly half an acre in Panorama Heights, this custom two-story backs to the golf course with mountain views from a private upstairs balcony. Decades-established landscaping -- fruit trees, grapevines, garden beds, mature shade trees -- surrounds a covered patio, open patio, and hot tub, giving you a backyard that already feels finished.Inside: ~3,184 sq ft, 4 bedrooms (possible 5th), 2 full baths, two living areas including a sunken living room, plus a finished heated sunroom for a home office, playroom, or retreat. The upstairs primary suite is separated from the main living area for privacy, with golf course/mountain views and a new dedicated mini-split cooling system.Highlights:Golf course frontage + mountain viewsSeller-owned solar, double-pane windows, natural gasTwo wood-burning fireplaces with insertsWorkshop/flex space, RV access and parkingOwned water softener, stainless kitchen islandCity water, public sewerBuilt 1980, 0.45+/- acre lotSchedule your private showing of 3507 Saint Andrews Drive SE.

1209 11th Street SE, Rio Rancho

Discover the perfect blend of modern design and quality craftsmanship in this stunning custom-built Rio Rancho home. Offering 2,802sqft of single-level living, this 4-bedroom, 4-bathroom residence sits on a half-acre lot and features soaring ceilings, a dramatic 17-foot tower entry, and a welcoming courtyard. The open floor plan showcases custom tile flooring, recessed ceilings, and a gourmet kitchen with granite countertops, premium appliances, and a stone island. The private primary suite features a large walk-in closet, standalone soaking tub, and an oversized walk-in shower with dual entry and a rainfall shower head. Enjoy a 906sqft covered patio with wood ceilings, epoxy-finished doors, metal fencing, RV parking, backyard access, and beautiful views.

509 12th Avenue SE, Rio Rancho

New Construction NO PID! Welcome to your dream home in an exclusive neighborhood, where elegance meets modern living! This stunning new construction boasts 4 spacious bedrooms. Natural light pours in through large windows and skylight, creating a warm and inviting atmosphere. Enjoy the ultimate luxury with a walk-in shower and a standalone tub. The covered backyard porch gives a starting point to your canvas, half an acre to let your imagination create your private oasis, while the oversize three-car garage, equipped with 220 power, offers ample space for all your projects. Don't miss your chance to experience this exquisite property--schedule your private tour.

505 12th Avenue SE, Rio Rancho

Discover the ultimate blend of elegance and comfort in this magnificent 5-bedroom, 4-bath property, meticulously crafted for a lifestyle of luxury. Nestled in a sought-after location, this new construction showcases soaring high ceilings, expansive large windows, and skylights that create a bright, airy atmosphere. Culinary enthusiasts will adore the chef's dream kitchen featuring two kitchens and a spacious walk-in pantry. Relax in the inviting great room or host guests in the separate casita, designed for privacy and convenience. With backyard access, a refreshing walk-in shower, and an oversized garage, this multi-generational estate offers endless possibilities. Embrace refined living in this exceptional gem today!$10,000 TOWARDS RATE BUY DOWN

2021 Santa Ana Road NE, Rio Rancho

Thoughtfully crafted by FM Design and built by renowned Candelaria Homes, this stunning custom residence offers over 3,000 square feet of upscale living with exceptional attention to detail throughout. Featuring 4 bedrooms and 3 bathrooms, the home showcases an open and functional layout complemented by elevated ceilings, elegant architectural elements, and premium finishes. The spacious owner's suite serves as a relaxing retreat with dual vanities, generous closet space, and a spa inspired atmosphere. Enjoy inviting outdoor spaces designed for both entertainment and peaceful everyday living. Combining timeless craftsmanship with modern luxury, this home offers an elevated lifestyle in one of Rio Rancho's desirable communities.

233 Nicklaus Drive SE, Rio Rancho

So much attention to detail in this gorgeous home, beautifully refreshed home on a corner lot with attractive, low-maintenance xeriscaped landscaping.Approximately $65,000-$70,000 in recent investments, including new LVP flooring, fresh interior paint, updated lighting fixtures, new ceiling fans throughout, refinished kitchen cabinets, custom blinds, newer kitchen appliances, a newer AC system, and refreshed bathrooms with new vanities and matching mirrors.The result is a clean, comfortable, move-in-ready home with a modern, cohesive feel throughout. The updated finishes add style and function, corner lot offers great curb appeal and a little extra breathing room. Outside, the xeriscaped landscaping keeps maintenance simple and easy to care for. Owner Financing considered with 20% downTurnkey Homes like are hard to find!!

1803 Truchas Peak Trail NE, Rio Rancho

*** Seller willing to assist with interest rate buy down***Welcome to your new home! This home is a rare offering in a premium cul-de-sac location with a valuable 5 car garage and 1/3 acre lot. This stunning house is located in a gated community in The Peaks neighborhood of Mariposa, It has been well maintained and possesses everything you could ever need. The home has plenty of privacy at the end of the cul-de-sac and ample space for entertaining friends and family. Plenty of room in the backyard for virtually any enhancement you desire. Neighbors are located on only one side of the home with open views across the back of the property. Owners have upgraded to matching tile in the master and one of the bedrooms (perfect for an office) and installed raised beds in the back yard. Massive granite island in the kitchen with abundant storage.

324 Encantado Ridge Court NE, Rio Rancho

Single story home/Newly painted interior with Light and bright floorplan A/C new in 2023, $29K in upgrades when home was built, mid placed kitchen with granite counter tops and center island, looking north to den area with access to covered patio overlooking the Sandia mountains and northern Rio Rancho. Views are spectacular. Two bedrooms share a full size bath and the primary has an ensuite full bath with double sinks and separate shower from Garden tub. Double walk in closets for clothing or storage. Front loading washer/dryer stays with home as does the stainless steel refrigerator. Quality newer Hot tub stays with the home

772 Amatista Loop SE, Rio Rancho

Built in 2023, this beautiful 3 bedroom, 2 bath home offers 1,314 square feet of modern comfort in a great Rio Rancho neighborhood. Enjoy a bright, welcoming interior, plus a landscaped backyard with a greenhouse ready for your next season of projects. Solar will be paid off at closing, giving you energy savings from day one. Conveniently located about 1.7 miles from Rust Medical Center, 4.7 miles to Intel, and 2.6 miles to A Park Above. Schedule a showing and come see your future home. Seller is offering $5k towards buyers point buy down or closing cost Seller is also open to Owner financing.

5005 Alberta Avenue NE, Rio Rancho

Exceptional custom home on a fully landscaped and gated half-acre lot in Rio Rancho. Offering over 3,100 square feet, this 4-bedroom, 3.5-bath residence features soaring ceilings, multiple living areas, radiant heating, porcelain tile, custom cantera accents, and abundant natural light. The chef's kitchen includes quartzite countertops, Wolf appliances, a Sub-Zero refrigerator, custom cabinetry, and generous prep space. The luxurious primary suite offers a spa-like bath and oversized closet. Enjoy a private well, outdoor grilling area, custom putting green, beautifully designed backyard, and a fully finished garage with custom flooring, two-car parking, and an additional oversized roll-up door.