Gaines Homes with FHA Financial terms

Welcome to Gaines, Michigan—a charming community nestled in Genesee County, where small-town charm meets modern convenience. This idyllic city is known for its friendly atmosphere, lush parks, and a strong sense of community. With a rich history and a variety of local events, Gaines offers residents a welcoming environment that feels like home.

One of the standout features of Gaines is its accessibility to essential amenities. Residents enjoy a range of shopping options, dining establishments, and recreational activities, all within a short drive. The nearby Flint River offers beautiful trails for walking, biking, and enjoying nature, making it a perfect spot for outdoor enthusiasts.

For those considering a home in Gaines, the market offers a variety of options that cater to different lifestyles and budgets. With FHA financing available, prospective homeowners can take advantage of more flexible loan terms, making it easier to step into homeownership. FHA loans are particularly beneficial for first-time buyers, as they often require lower down payments and have more lenient credit requirements. This makes Gaines an attractive option for families and individuals looking to invest in their future.

Gaines is not just a place to live; it’s a place to thrive. With its strong community spirit, excellent schools, and beautiful surroundings, it’s no wonder that so many are eager to call this city home. Whether you’re searching for your first home or looking to settle down, Gaines offers a delightful blend of comfort and opportunity. Come explore all that this wonderful city has to offer!

Newest Gaines Homes with FHA Financial terms

$275,000

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 61015644 MLS

Charming Ranch on 1.21 Acres with 1,200 SF Pole Barn! Welcome home to this beautifully updated 2-bedroom, 1-bath ranch offering 1,040 SF of main-floor living plus a full 1,040 SF basement -- ready to finish for extra storage or additional living space. Set on a peaceful, country-like 1.21-acre lot, this home offers the perfect blend of privacy and convenience. Step inside to find stunning metallic epoxy flooring flowing through the kitchen, dining room, bathroom, and hallways, refinished hardwood floors in both bedrooms, and durable vinyl plank flooring in the living room. The spacious primary bedroom features a walk-in closet, and first-floor laundry adds everyday ease. The fully renovated bathroom completes the thoughtful updates throughout. Major updates in 2013 include solid cherry hardwood kitchen cabinets with soft-close doors and drawers, granite countertops, hot water heater, windows, and furnace. More recent updates include a new roof, vinyl siding, and a new deck -- offering peace of mind for years to come. Outside, the impressive 1,200 SF pole barn with epoxy-coated concrete floors is a dream for storage, hobbies, or a workshop -- plenty of room for all your toys and tools. Don't miss this move-in ready home offering comfort, character, and space to grow!

305 W Walker Street, Gaines

Listing Courtesy of Red Fox Realty LLC, Office Phone: 810-630-6652

$375,000

COMING SOON Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 61015592 MLS

Welcome to your peaceful country retreat set on 14 sprawling acres in Gaines. This charming two-story home features three bedrooms, two full bathrooms, an attached two-car garage, and a finished lower level that serves as a versatile space for a rec room, home gym, or office. Inside, the open main level is bathed in natural light, seamlessly flowing from a spacious living room into a bright dining area and an adjacent kitchen equipped with ample cabinetry, a pantry, and a breakfast bar peninsula. Step out through the sliding glass doors onto an expansive raised back deck--perfect for outdoor dining, grilling, and soaking in uninterrupted views of the open countryside. Upstairs, you'll find all three bedrooms, including a primary suite with a walk-in closet. Complete with both a 24x30 pole barn and a 28x40 horse barn, this incredible acreage provides endless possibilities for hobby farming, workshop space, livestock, and rural living at its finest.

10179 Duffield Road, Gaines

Listing Courtesy of Epique Realty, Office Phone: 248-218-2604

$339,900

COMING SOON Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61015114 MLS

Fantastic 1and a half story home on a picturesque 2.02-acre lot, filled with character and flooded with natural light! Soaring 19-foot ceilings, expansive windows, and an open-concept design create a bright, spacious atmosphere you'll love coming home to. A welcoming mudroom leads into the kitchen offers abundant cabinetry, a charming garden window, stainless steel appliances, and seamless flow into the dining area and living room--perfect for entertaining or everyday living. Step outside to the deck and enjoy peaceful dinners overlooking your beautiful property. The main level features two generously sized bedrooms and a full bath complete with a double vanity, jetted tub, and plentiful storage. Upstairs, the impressive primary suite serves as a private retreat with a cozy loft, expansive vaulted bedroom, walk-in closet, and a beautifully appointed bath featuring vaulted ceilings, a skylight, large tiled shower, granite-topped double vanity, and a private water closet. The full basement offers tall ceilings and a semi-finished room, providing excellent potential for additional living space, a home office, or recreation area. A standout feature is the oversized 4-car attached heated garage with 220-amp service--ideal for car enthusiasts, hobbyists, or extra storage. Outside, you'll appreciate the irrigated garden, perfect for growing fresh fruits, vegetables, and herbs right at home. Additional updates include a new hot water heater (2024), front entry door (2024), garage door (2023), furnace (2014), and an ADT security system for added peace of mind. This exceptional property offers space, style, and unique amenities that are hard to find. Don't miss your opportunity to make it yours--schedule your showing today and be sure to experience the 3D virtual tour!

9038 Lahring Road, Gaines

Listing Courtesy of RE/MAX Eclipse Clarkston, Office Phone: 248-620-1000

$520,000

ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 61008121 MLS

Country Estate Package, Residence - 4 bed/2 bath, 39+ Acres, Ponds, Woods & 5,000+ Sq Ft Home Shell. An exceptional opportunity to acquire a unique country estate offering approximately 39 acres of diverse Michigan countryside, including the residence located at 253 Park Street and the adjoining acreage parcel at 12229 Baldwin Road. Together, the properties create a rare opportunity for those seeking privacy, outdoor recreation, hobby farming, hunting, or a long-term family estate. The offering includes the existing residence situated on approximately 4.12 acres at 253 Park Street, providing immediate residential use and functionality. Beyond the residence, the adjoining Baldwin parcel expands the property into an impressive recreational and agricultural setting featuring acreage, open fields, two ponds, wildlife, and a large shop building with concrete floor, an oversized overhead door, and substantial existing infrastructure. One of the property's most unique features is the partially completed residence with an estimated footprint exceeding 5,000 square feet located on the Baldwin parcel. Buyers may choose to evaluate the opportunity to complete, redesign, or repurpose the structure according to their own vision and plans, subject to all applicable approvals and verifications. Whether you're searching for a private country estate, hunting property, family compound, hobby farm, recreational retreat, or long-term investment opportunity, this offering provides a combination of land, water, infrastructure, and future potential that is increasingly difficult to find. Sale includes both 253 Park Street and 12229 Baldwin Road, electric, wells and septic are already in for both properties. All information is believed to be reliable but is not guaranteed. Buyer and buyer's agent to independently verify all information, dimensions, acreage, utilities, zoning, permits, and future use possibilities.

253 Park Street, Gaines

Listing Courtesy of American Associates Inc, Office Phone: 810-694-3333

$194,999

ACTIVE UNDER CONTRACT Status ⋅ 4 Beds ⋅ 1 Baths ⋅ 50211990 MLS

Welcome to this updated, turnkey country residence located in Gaines Township and within the Swartz Creek School District. Offering total peace of mind, this 4-bedroom home has undergone recent renovations and mechanical updates. The interior features a spacious living room and a bright, eat-in kitchen. The entire home feels fresh with a newly painted interior and exterior, updated light fixtures, switches, and outlets, as well as new ceiling fans throughout. The living room and primary bedroom feature brand-new flooring installed in 2025, while the kitchen, entryway, and remaining three bedrooms were updated within the last three years. The full bathroom has been completely renovated from top to bottom. Home is on a well and septic and has natural gas, not propane. Key mechanical and exterior upgrades include: New roof: June 2026! Heating: High-efficiency furnace (new in 2024). Water Quality: Advanced two-stage whole-house water purification system (new in 2025). Electrical: Recently updated main electrical connection to the home. Garage: Expansive detached garage equipped with electricity and abundant storage space. Lot: Picturesque, open lot offering stunning sunrise views from the backyard and treelined sunset views from the front window. Get pre-approved and schedule your showing today.

8273 Van Vleet Road, Gaines

Listing Courtesy of Nemer Realty, Office Phone: 810-635-2050

$599,000

ACTIVE Status ⋅ 3 Beds ⋅ 5 Baths ⋅ 60943201 MLS

The finest home in an area of fine homes. You won't believe the beauty of this home until you walk through it. It has the finest materials and best workmanship throughout, and comes with it's own game room, theater, and workout room. The Master suite has a sitting room, his and her master bathrooms, and his and her master walk in closets. Also a mini kitchen. It also has it's own elevator. Not just a lift, but a 900 pound capacity elevator. This is not a drive by. You have to tour the house to appreciate all that it has to offer. You will be totally blown away.

13065 White Oaks, Gaines

Listing Courtesy of Coldwell Banker Professionals, Office Phone: 810-629-2220

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Provided through IDX through Realcomp II Ltd. Courtesy of HamadyRobinson, REALTORS®. Copyright 2026 Realcomp II Ltd. Shareholders. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing and that the data is deemed reliable but not guaranteed accurate by the MLS.