Freeland Homes with USDA Loan Financial terms

Welcome to Freeland, Michigan—a charming community that perfectly blends small-town charm with modern convenience. Nestled in the heart of the Great Lakes Bay Region, Freeland is known for its friendly atmosphere, excellent schools, and beautiful parks. With a population of just over 8,000 residents, this tight-knit community offers a peaceful lifestyle while being just a short drive from the bustling city of Saginaw.

Freeland boasts a variety of recreational opportunities, including the scenic Freeland Park, where families can enjoy picnics, walking trails, and playgrounds. The town also hosts numerous local events throughout the year, fostering a sense of community and bringing neighbors together. With its quaint downtown area filled with unique shops and eateries, Freeland is a delightful place to call home.

For those considering homeownership in Freeland, you’ll be pleased to know that many properties qualify for USDA loan financing. This government-backed loan program is designed to promote rural development and offers significant benefits for eligible buyers. With zero down payment options and competitive interest rates, a USDA loan can make your dream of owning a home in this idyllic community a reality.

Whether you’re a first-time buyer or looking to relocate, Freeland’s welcoming environment and affordable housing options make it an ideal choice. Explore the possibilities today and discover why so many people are proud to call Freeland home!

Newest Freeland Homes with USDA Loan Financial terms

$299,900

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216642 MLS

Welcome to this move-in-ready 3-bedroom, 2-full-bath home in Freeland’s desirable Falcon Crest subdivision. The main level offers 1,353 square feet with spacious rooms, vaulted ceilings in the great room and kitchen, and a cozy corner fireplace. The kitchen features granite countertops and stainless steel appliances. The finished basement adds valuable living space, including a bonus room, a comfortable family or hangout room, and a dedicated workshop area. Major updates include a new roof installed in 2024 with a transferable warranty, along with a new furnace and central air-conditioning system installed in 2023. Outside, the beautiful backyard is enclosed by a privacy fence and features a massive deck with plenty of room for grilling, entertaining, or relaxing. Large raised garden planters and a spacious storage shed make the yard both functional and enjoyable. The attached garage also has its own heating unit, providing a useful space throughout the year.

8473 Waxwing Drive, Freeland

Listing Courtesy of Century 21 Signature Realty Midland, Office Phone: 989-837-2100

$229,900

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50216138 MLS

ADORABLE 3 bedroom ranch on 1 acre of land!! Located in highly desirable Freeland inside Bullock Creek School District you do not want to miss this one. It would be a perfect starter home or someone looking to downsize especially with main floor laundry. Maybe you just love some LAND and want room to build. A lot of upgrades have been made to this home you can MOVE RIGHT IN with a lot of peace of mind. Roof replaced 2022, front porch replaced in 2021, well/pump and pressure tank replaced 2025, and new driveway/sidewalk poured in 2024. In 2018 a new furnace and a/c unit were installed with duct work! Also, in 2018 the crawlspace was leveled, plastic replaced; bordered drain tile, lights/sump pump installed, water softener/filtration installed, and 12x16 shed with concrete approach added. This is a MUST SEE. Contact today for a private tour

2319 E Freeland Road, Freeland

Listing Courtesy of MI Skye Realty LLC, Office Phone: 989-455-8889

$354,900

ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 50212374 MLS

Opportunity knocks again! Buyer decided to rent instead of purchase and terminated prior to inspections. This beautiful home is available once more! No matter what chapter of life you're in, this home just makes sense. From the convenience of the main-floor primary suite and laundry to the extra bedrooms, basement space, fenced backyard, and pool, there's room here to live, grow, gather, and make memories. Yes, it's a two-story home, but the beauty of this floor plan is that you may never need to leave the main floor. The primary suite is tucked away as a private sanctuary with a walk-in closet, private bath, and separate water closet, while main-floor laundry makes everyday living a breeze. Whether you're raising a family, hosting grandkids, or simply planning ahead, you'll appreciate having your own space while kids, guests, and visitors spread out in the additional bedrooms. With over 2,300 square feet, 4 bedrooms, 2.5 bathrooms, and an open-concept design, there's room for everyone to gather without ever feeling crowded. The bright white kitchen overlooks the backyard and flows seamlessly into the dining and living areas, making it easy to stay connected whether you're helping with homework, hosting holidays, or keeping an eye on the kids playing outside. Soaring ceilings and a gas fireplace add warmth, character, and a feeling of home from the moment you walk in. Step outside to enjoy the covered front porch, the perfect place for morning coffee, evening conversations, or waving to neighbors as they pass by. Out back, the fully fenced yard offers space to play, entertain, and relax. The deck sits right off the dining area for easy summer barbecues, and the above-ground pool is ready for endless summer fun. Imagine cooling off on hot August afternoons while the kids swim, friends gather, and memories are made. Prefer more green space? The pool can easily be removed. Located in desirable Maple Grove Estates, you're just minutes from Freeland schools, shopping, dining, parks, and community events while still enjoying the feel of an established neighborhood where kids ride bikes, neighbors know each other, and life moves at a comfortable pace. Need even more room? The basement offers approximately 1,350 additional square feet and is a blank canvas with an egress window already in place. Create the ultimate recreation room, home gym, theater room, guest suite, kids' playroom, hobby space, or the man cave you've always wanted. The possibilities are endless. Additional highlights include updated LED lighting throughout, an attached garage, open-concept living spaces, and a location that continues to be one of Freeland's most sought-after neighborhoods. Homes aren't just about square footage—they're about the life that happens inside them. This one is ready for its next chapter. Could it be yours? It could be by August! Call your favorite realtor and schedule a tour or look for a scheduled open house!

7849 Rockcress Drive, Freeland

Listing Courtesy of EXP Realty, Office Phone: 888-501-7085

$424,900

ACTIVE Status ⋅ 5 Beds ⋅ 4 Baths ⋅ 50206232 MLS

Missed it the first time? Here's your second chance. This home is back on the market after inspections, with the roof, windows, HVAC, well, and septic all reviewed and noted to be in excellent condition. The roof is new oct 2025, and the HVAC system was replaced in 2023. Schedule your showing before this opportunity is gone again! If you’ve been searching for space, privacy, and the ability to make a home truly your own—without building, this is it. This one-owner estate sits on 3.61 acres in the country with a tree-lined driveway, turnaround, and no close neighbors, offering the kind of peace and breathing room that’s getting harder to find. With over 2,800 sq ft plus a full finished basement, this home delivers serious space to sprawl—with room for everyone. Inside, you’ll find a wide-open floor plan with multiple living spaces, including a living room, family room, and a massive finished basement with egress window—perfect for entertaining, multi-generational living, or creating the ultimate rec space (the sellers’ favorite place to spend time). This home features 5 bedrooms and 3.5 bathrooms, including two suites with private bathrooms and walk-in closets, plus main floor laundry for convenience. The 3-car attached garage with pull-through access is ideal for hobbyists, storage, or anyone needing extra functionality. Major updates include a new roof and a pellet stove for efficient supplemental heat. Now let’s talk about the opportunity: The flooring has been removed due to condition, and the seller is offering a $25,000 flooring credit—giving you the freedom to choose exactly what you want. Whether you’re envisioning luxury vinyl plank, tile, or upgraded finishes, this allows you to design the home to your taste instead of settling for someone else’s choices. AI-generated photos have been included to help you visualize the potential and what this home can become with the right finishes. If you’ve looked into building, you already know—recreating this kind of space, land, and layout today would likely cost significantly more. This gives you the chance to get it for a fraction of that and make it your own. If you’ve been struggling to find a home with the right layout, land, and privacy—but keep wishing you could change the finishes—this is your chance to get both. Homes with this much space, land, and flexibility rarely come available at this price point. Schedule your private tour today.

11087 Pierce Road, Freeland

Listing Courtesy of EXP Realty, Office Phone: 888-501-7085

$524,900

ACTIVE Status ⋅ 3 Beds ⋅ 4 Baths ⋅ 50206015 MLS

BRAND NEW ROOF ON THE HOME! The house now features a brand-new roof, and new roofs on the heated workshop/outbuilding are scheduled for completion by the end of August, giving buyers peace of mind and adding tremendous value from day one. This is the kind of home and property you didn't know existed... until now. If you're a car enthusiast, builder, contractor, collector, woodworker, fabricator, or serious hobbyist, this is the setup you've been waiting for. The showstopper is the nearly 5,000 sq. ft. heated workshop/outbuilding featuring a vehicle hoist, paint booth, office space, lunch bar, and half bath. This offers incredible flexibility for automotive projects, restoration work, storage, equipment, hobbies, or simply having the ultimate dream workshop. And while the workshop is unforgettable... the home absolutely delivers. Meticulously maintained and thoughtfully expanded, this home blends timeless character with modern functionality. A significant addition and extensive renovations around 2010 greatly reduced the home's effective age, while major mechanical updates—including a 1-year-old furnace, central air conditioning, water heater, and now a brand-new roof—mean you can move in with confidence. The main floor features a spacious primary suite with a sitting area and private full bath, originally designed for multigenerational living. Whether you're accommodating parents, adult children, guests, or simply want a private retreat, the layout offers incredible flexibility. Main-floor laundry adds everyday convenience. The centrally located kitchen and dining area are designed for gathering and flow seamlessly into the vaulted living room, where abundant natural light and a stunning floor-to-ceiling stone fireplace create an inviting centerpiece. Don't let the cozy kitchen fool you—the current owners have comfortably hosted 25+ family members for holidays and celebrations. This is truly a home built for making memories. Upstairs, you'll find a unique second suite featuring an oversized bedroom with its own full bath, soaking tub, walk-in shower, and adjoining bedroom or office. Separate stairway access creates exceptional privacy rarely found in homes of this era. Additional highlights include a basement waterproofing system with a battery-backup sump pump, attached 3-car garage, beautifully landscaped grounds, fenced backyard, and neighboring countryside views that create a Dow Gardens-like setting. With approximately 2,500 finished square feet, 3 bedrooms, 3.5 baths, a brand-new roof, and one of the most impressive heated workshops you'll find, this property offers an unmatched lifestyle opportunity that's nearly impossible to duplicate. Schedule your private showing today and experience everything this one-of-a-kind property has to offer. Sale is contingent upon the seller securing suitable housing.

7165 Hospital Road, Freeland

Listing Courtesy of EXP Realty, Office Phone: 888-501-7085

$985,000

ACTIVE Status ⋅ 5 Beds ⋅ 4 Baths ⋅ 50166048 MLS

Welcome to this beautiful “One of a Kind” home! Built by Geiersbach Builders in 2005, the impeccably maintained home has more than 3,300 sq. ft. of living space on the main level, and over 3,300 sq. ft. on the lower level, 1,600 sq. ft. of which are finished. With a total of 5 bedrooms, 3 full baths and one half-bath, it features large living and dining rooms perfect for entertaining, a beautiful kitchen, first floor laundry, a home office, and a wonderful sunroom overlooking a fenced-in backyard. The large four-car garage offers plenty of room for your vehicles and toys, and an extensive driveway for additional parking. Sitting on 2.23 acres of land surrounded by mostly wide-open fields, the home’s front porch is perfect for stunning sunset watching, and the covered concrete back porch, thoughtfully equipped with a 220-volt outlet for adding a hot tub or sauna if so desired, is ideal for watching sunrises. The south side entrance next to the garage also features a covered porch area with maintenance-free Trex decking. This home comes with a 14 month Home Warranty!!

6790 Hospital Road, Freeland

Listing Courtesy of Century 21 Signature Realty, Office Phone: 989-921-7000

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