Birmingham Homes with FHA Financial terms

Birmingham Homes with FHA Financial terms

Welcome to Birmingham, Michigan—a charming city nestled in the heart of Oakland County. Known for its vibrant downtown, picturesque neighborhoods, and a rich tapestry of cultural offerings, Birmingham is the perfect place for families, young professionals, and retirees alike. With its tree-lined streets, historic architecture, and a strong sense of community, this city boasts an inviting atmosphere that feels both cozy and upscale.

Birmingham is renowned for its thriving arts scene, with galleries, theaters, and music festivals that celebrate creativity and community spirit. The city is home to an array of boutique shops, gourmet restaurants, and cozy cafés, making it a delightful spot for dining and shopping. Outdoor enthusiasts will appreciate the numerous parks and recreational opportunities, including the beautiful Booth Park and the scenic trails that wind through the area.

For those considering a move to Birmingham, the housing market offers a variety of options to suit different lifestyles and budgets. Many homes in this charming city qualify for FHA financing, making homeownership more accessible. FHA loans are designed to help buyers with lower down payments and more flexible credit requirements, making it easier to step into your dream home. Whether you're looking for a historic property with character or a modern new build, Birmingham has something for everyone.

With its exceptional schools, strong community ties, and a wealth of amenities, Birmingham, MI, is not just a place to live—it's a place to thrive. Discover your next home in this enchanting city and become part of a community that truly feels like home.

Newest Birmingham Homes with FHA Financial terms

$1,200,000
ACTIVE Status ⋅ 4 Beds ⋅ 5 Baths ⋅ 61015729 MLS
NEW CONSTRUCTION WITH PREMIUM FINISHES!!!! PRICED TO SELL!!! HIGHEST AND BEST!!! LANDSCAPE INCLUDED!!! 4000+ SQUARE FEET OF FINISHED SPACE!!!!! Experience exceptional New construction by Yousif Building Solutions in Birmingham's sought-after Rail District. This beautifully crafted 4-bedroom, 4.5-bath residence offers approximately 3,005 sq ft above grade plus a finished basement with an additional full bath and roughly 1,000 sq ft of finished living space. The designer kitchen features quartz countertops, a full quartz backsplash, and premium finishes throughout. The spacious primary suite showcases vaulted ceilings in both the bedroom and bath, along with an oversized walk-in closet complete with a center island. A versatile third-floor retreat includes a bedroom, full bath, and private balcony, while the finished bonus room above the garage is fully insulated and equipped with heating and cooling for year-round comfort. Exterior highlights include a 4,000 PSI concrete driveway, exposed aggregate front porch, and exposed aggregate patio. A rare opportunity to own a thoughtfully designed 2026-built home in one of Birmingham's most desirable neighborhoods. Builder-Agent owner

1292 Holland Street, Birmingham

Listing Courtesy of National Realty Centers, Inc, Office Phone: 248-724-1234
$1,000,000
COMING SOON Status ⋅ 4 Beds ⋅ 4 Baths ⋅ 61015678 MLS
Located just minutes from the heart of Downtown Birmingham, this beautifully maintained newer construction colonial offers over 3,000 finished square feet, four bedrooms, three full baths, a powder room, and thoughtfully designed living space across three finished levels. The welcoming main level features warm hardwood flooring, a spacious living room with a gas fireplace, dedicated home office, mudroom, and an open-concept layout that flows seamlessly into the dining area and chef-inspired kitchen. A large granite island, stainless steel appliances, gas range, abundant cabinetry, and a wine refrigerator create an ideal space for both everyday living and entertaining. Upstairs, the generous primary suite is complemented by two additional bedrooms, full bath, and convenient second-floor laundry. The third level offers another spacious bedroom, full bath, and versatile bonus room perfect for guests, a media room, or additional workspace. The finished lower level expands the home's functionality with a large recreation room and plumbing already in place for a future bathroom, offering excellent potential for additional finished living space. Outdoor living is equally impressive with a custom brick paver patio, matching paver walkway, professionally landscaped yard, and a permanent natural gas grill connection with dedicated Green Egg smoker setup designed for effortless entertaining. Additional highlights include a detached two-car garage with extensive electrical outlets, in-ground sprinkler system, gutter guards, covered front porch, covered patio, and programmable thermostat. Offering modern construction, flexible living spaces, and exceptional outdoor amenities in one of Birmingham's most desirable locations, this home delivers the perfect balance of comfort, convenience, and lifestyle.

1208 Smith Avenue, Birmingham

Listing Courtesy of EXP Realty The Perna Team, Office Phone: 888-501-7085
$550,000
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 61015206 MLS
Welcome to this beautifully maintained brick townhouse offering 3 bedrooms, 2.1 bathrooms, a 2-car attached garage, and a new roof (2023) in one of Birmingham's most desirable neighborhoods. Freshly painted and showcasing a neutral color palette throughout, this move-in ready home features an updated kitchen with a stylish backsplash, stainless steel appliances, and finishes designed for effortless everyday living. Enjoy the ease of low-maintenance living while taking advantage of an unbeatable walkable location just moments from Griffin Claw Brewing Company, Whistle Stop Diner, Lincoln Yard, Whole Foods, top-rated Birmingham schools, neighborhood parks, boutique coffee shops, and a newly opened French bakery. Combining style, comfort, and an exceptional location, this home offers the very best of Birmingham living.

536 Graten Street, Birmingham

Listing Courtesy of EXP Realty Main, Office Phone: 888-501-7085
$475,000
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 61014282 MLS
Holy cannoli--this may be one of the best values in Birmingham! Offering approximately 1,900 square feet near the Rail District, this three-bedroom, three-bath home is priced at roughly $250 per square foot, making it an exceptional opportunity in 48009. Originally a modest ranch, the home was transformed by an approximately 800-square-foot addition in 2004. The unique and flexible layout features a spacious living room, a large family room, and an impressive upper-level primary suite with a generous walk-in closet and private bath. Additional highlights include mostly hardwood floors, an updated kitchen completed 2016, many newer windows, a basement, and a rare two-and-a-half-car attached garage. While there are opportunities to make future improvements, the expensive and difficult-to-add features--square footage, three bathrooms, basement, and attached garage--are already here. Situated on an easy-to-maintain corner lot, the home is close to the Birmingham Ice Arena, tennis courts, parks, and all the restaurants, breweries, shops, and activity of the Rail District. Welcome to Birmingham living with the space you want at a price that is increasingly hard to find.

1493 E Melton Road, Birmingham

Listing Courtesy of Max Broock, REALTORS(r)-Bloomfield Hills, Office Phone: 248-644-4700
$299,900
ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 61013542 MLS
Welcome home to this charming 2-bedroom, 1-bath ranch offering a spacious, open floor plan in an unbeatable location. The inviting living room features a large front window that fills the space with natural light and flows seamlessly into the dining area, creating the perfect layout for everyday living and entertaining. The well-appointed kitchen boasts a stylish tile backsplash, deep double-basin sink, stainless steel appliances, and an abundance of cabinet space for all your storage needs. The beautifully updated full bath adds a fresh, modern touch, while bamboo wood flooring extends throughout much of the home, enhancing its warmth and character. Step outside through the back door to a small deck overlooking the expansive backyard--ideal for relaxing, gardening, or hosting family and friends. A rare 2-car detached tandem garage provides plenty of parking, with additional storage space upstairs for seasonal items, hobbies, or workshop needs. Located within the highly sought-after Birmingham School District, this home offers exceptional convenience with easy access to freeways, shopping, dining, parks, and countless local amenities. A wonderful opportunity to enjoy comfortable living in a prime location! Schedule your private showing today.

807 E 14 Mile Road, Birmingham

Listing Courtesy of EXP Realty - Mark White & Associates, Office Phone: 269-600-4397
$560,000
ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 61013308 MLS
Your Dream Birmingham Ranch - Completely Remodeled & Just Steps from Downtown This beautifully updated ranch delivers modern living just a short stroll from downtown Birmingham. Fully remodeled within the last four years, the home showcases refined finishes and an open, light-filled layout designed for both everyday comfort and easy entertaining. Refinished hardwood floors flow throughout the main level, leading into a spacious open-concept living, dining, and kitchen area. The heart of the home was completely reimagined in 2022 with quartz countertops, generous cabinetry, and newer appliances--creating a bright, functional space that feels both elevated and inviting. Generous bedrooms offer flexibility and comfort, while the sunroom provides a peaceful retreat for morning coffee or quiet evenings. The primary bathroom was fully remodeled in 2023 and features a spacious walk-in shower. Downstairs, the newly finished basement expands your living space with a custom entertainment room, built-in bar, and a large laundry room--perfect for game nights, gatherings, or everyday convenience. Outside, enjoy a fully fenced 0.24-acre lot and a 650-square-foot deck added in 2018, ideal for summer evenings and outdoor living. This home comes with the added peace of mind, both the furnace and air conditioning unit were replaced in 2020. Location is everything: walk to the Rail District, Whole Foods, boutique shopping, and some of Birmingham's best restaurants. This turnkey home is truly move-in ready--modern updates, thoughtful design, and an unbeatable location all in one.

1591 E Maple Road, Birmingham

Listing Courtesy of Berkshire Hathaway HomeServices Kee Realty Bham, Office Phone: 248-646-6200
$199,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61012760 MLS
HIGHLY DESIRED 3 bedroom, 1.5-bath condo in the sought-after Birmingham North Condominiums. This meticulously maintained no smoking condo features a spacious, open floor plan, large, light-filled windows throughout and views of the manicured lawns and mature trees that surround it. Updated appliances, a new furnace, newer air conditioning, upgraded electrical, access to the community swimming pool, a clean, large laundry area with a dedicated washer and dryer in the lower level with possibility of in-unit laundry if desired, dedicated basement storage, covered parking and excellent proximity to downtown Birmingham--with all its shopping, restaurants, parks and entertainment--make this the perfect choice for a care-free and enjoyable lifestyle. Hardwood floors are under the carpeted areas.

1245 Derby Road Unit 7, Birmingham

Listing Courtesy of Berkshire Hathaway HomeServices Kee Realty Bham, Office Phone: 248-646-6200
$449,999
ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 61012748 MLS
Great Location walking distance to Downtown Birmingham. Corner lot, good potential for future rebuild. Renovated classic ranch, 3 bedrooms, one full bathroom, hardwood floors throughout, large living room with fireplace. Newer kitchen stainless steel appliances all included. Attached garage.

1823 Bradford Road, Birmingham

Listing Courtesy of RE/MAX New Trend, Office Phone: 248-553-5050
$485,000
ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 70545459 MLS
Welcome to Birmingham Gardens--where quiet streets, refined homes, and unbeatable walkability meet. This beautifully maintained residence is light, bright, and freshly updated, offering upgrades throughout and two gas fireplaces for year round comfort. The open floor plan features an expansive family or multipurpose room that flows seamlessly into a stunning four season sunroom--wrapped in windows, skylights, and a cathedral ceiling--and into the updated kitchen. The kitchen showcases granite countertops, Viking and Bosch appliances, and hardwood flooring throughout the main level. A second living room with wet bar and fireplace provides flexible space and could be easily converted into a third bedroom. Upgraded electrical with abundant recessed lighting throughout. Enjoy the convenience of a first floor primary suite, a huge deck for entertaining, and a private backyard with lush landscaping and garden space. Storage is plentiful with an extended garage area.

1810 Holland Street, Birmingham

Listing Courtesy of Real Estate One Inc, Office Phone: 734-662-8600
$528,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61010750 MLS
Welcome to this amazing opportunity to own this charming 3-bedroom, 2-bath corner-lot brick bungalow, that has now been completely repainted inside, situated near downtown Birmingham. This beautifully maintained home offers timeless appeal with hardwood floors and an abundance of natural light throughout. The inviting living room features a cozy wood-burning fireplace with an elegant mantle, creating the perfect spot for relaxation. Adjacent to the living room, a spacious dining area leads to a bright kitchen, complete with stainless steel appliances and granite countertops. The entry level includes two generously sized bedrooms--one of which can serve as a home office--a full bath with modern marble flooring, and a private three-season room for added versatility. Upstairs, the oversized primary bedroom provides a serene retreat with ample closet space and privacy. The finished lower level offers additional living space with a large family room, a second full bath, and a laundry area, making it perfect for entertaining or extra storage. Outside, enjoy a fully fenced private backyard with a patio, ideal for outdoor gatherings or quiet evenings. Conveniently located near downtown Birmingham's vibrant dining, shopping, and entertainment options, this home combines comfort and convenience in an unbeatable location. Don't miss this incredible opportunity to own a home full of character and modern amenities. Schedule your private showing today!

2090 Bradford Road, Birmingham

Listing Courtesy of KW Domain, Office Phone: 248-590-0800
$242,500
ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 50214301 MLS
Move right into this charming Williamsburg condo located in a hightly desirable cul-de-sac location. Nestled in a quiet park like setting and just a short walk to Pembroke Park, this home offers a perfect blend of comfort and convenience. Large windows fill the home with abundant natural light, creating a warm and inviting atmosphere throughout. Hardwood flooring is exposed in the living room, dining area, and main bedroom, adding classic character and charm. The updated kitchen comes complete with all appliances and offers both style and functionality. Upstairs you'll find an updated full bath along with two comfortable bedrooms. The large unfinished basement provides excellent additional space for laundry, utilities, storage and potential for a workout area, hobby space or future finishing. Enjoy the peaceful surroundings of Graefield Village while being just minutes from downtown Birmingham's shops, dining, and amenities. A wonderful opportunity to own in one of Birmingham's most desirable communities.

716 Graefield Court, Birmingham

Listing Courtesy of Sine & Monaghan LLC, Office Phone: 313-884-7000
$1,049,999
ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 61009040 MLS
Nestled at the end of a private, no-outlet street and just steps from Quarton Elementary, Baldwin Park, and downtown Birmingham, this charming 4-bedroom, 2.5-bath colonial offers true luxury and privacy! The main level showcases beautiful hardwood floors, newer windows, a freshly renovated first-floor laundry, and an executive home office with custom built-ins. The kitchen is a MUST, being extremely bright and spacious, and opening up to a cozy family room overlooking your fully fenced and PRIVATE backyard. Upstairs, an expansive primary suite with a walk-in closet and newly renovated master bathroom. Moving onto three additional large bedrooms and a full bath. A finished recreation room in the lower level adds extra living space. If you are looking for luxury and privacy, while also getting to experience TRUE Birmingham downtown living, this is the one not to miss!

1900 Fairview Street, Birmingham

Listing Courtesy of @properties Christie's Int'l R.E. Birmingham, Office Phone: 248-850-8632
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