Lease Option & Owner Financing Homes in Pierce County
Move in now with a lease option, or buy with owner financing. No bank underwriting and no credit-score minimum.
- No bank underwriting
- No credit-score minimum
- Lease option & owner financing
Pierce County runs from Commencement Bay and the Tacoma waterfront east to Mount Rainier. It includes the city of Tacoma, suburban communities along I-5 and SR-512, the Puyallup Valley, and more rural areas toward Eatonville and the foothills, with Joint Base Lewis-McChord in the southwest corner.
Why Lease Options and Owner Financing Work Here
Pierce County is one of the busiest housing markets in the South Sound. With Tacoma, JBLM, and the Seattle commute nearby, competition for homes can make it hard to buy if you don't have a bank approval in hand.
A lease option lets you move into a home now, lock in the purchase price, and use the term to get mortgage-ready while you live there. If prices rise during your term, that gain is yours.
Owner financing skips the bank entirely. We act as the lender, verify income and ability to pay instead of using a credit-score cutoff, and put every term in writing before you sign.
Want the full details first? Read how a lease option works or how owner financing works.
Start Your Buyer Profile
Take the first step toward owning your home. Start your buyer profile and we'll follow up to walk you through your path to homeownership.
Areas We Serve in Pierce County
- TacomaThe county seat, on Commencement Bay along I-5 and SR-16.
- Lakewood and University PlaceSouthwest of Tacoma, near Joint Base Lewis-McChord.
- Puyallup and SumnerIn the Puyallup Valley along SR-512 and SR-167.
- Spanaway, Parkland, and GrahamUnincorporated communities south of Tacoma along SR-7.
- Bonney Lake and BuckleyEast county along SR-410, toward the Cascade foothills.
- Gig HarborAcross the Narrows Bridge on SR-16.
Pierce County Questions
Do you have homes in Tacoma, Lakewood, or Puyallup?
Our available homes change over time. Start your buyer profile and we'll tell you what's available in your part of Pierce County that fits your budget.
I'm self-employed. Can I still buy in Pierce County?
Yes. Owner financing looks at your real income and ability to pay, not just what a bank can document. A lease option also gives you time to build the tax-return history a lender will want later.
Do you serve the more rural parts of Pierce County?
Yes, including Graham, Eatonville, Buckley, and the foothills areas.
More questions? See our full FAQ.
Nearby Areas We Serve
Looking for a home in Pierce County?
Call or email us to talk through what's available and which path fits you.