Hemlock Homes with USDA Loan Financial terms

Hemlock Homes with USDA Loan Financial terms

Welcome to Hemlock, Michigan – a charming village nestled in the heart of Saginaw County, where small-town allure meets the beauty of nature. Known for its friendly community and picturesque landscapes, Hemlock offers a serene lifestyle that appeals to families, retirees, and everyone in between. With its lush parks, scenic trails, and proximity to the bustling city of Saginaw, Hemlock is the perfect place to call home.

One of the most appealing aspects of living in Hemlock is the affordability of homes, particularly for those looking to take advantage of USDA loan options. The USDA loan program is designed to assist low to moderate-income families in purchasing homes in eligible rural areas, and Hemlock fits the bill beautifully. With zero down payment required and competitive interest rates, this financing option opens the door to homeownership for many residents who might have thought it out of reach.

Imagine settling into a cozy, charming home with a spacious backyard perfect for family gatherings or quiet evenings under the stars. Hemlock's real estate market features a variety of properties, from quaint bungalows to modern family homes, all surrounded by the natural beauty of Michigan's landscape.

Whether you’re drawn to the friendly community spirit, the excellent schools, or the stunning outdoor recreational opportunities, Hemlock is a place where you can truly thrive. Explore your options today and discover how a USDA loan can make your dream of homeownership in Hemlock a reality!

Newest Hemlock Homes with USDA Loan Financial terms

2851 N Orr Road, Hemlock
$260,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50226039 MLS
This 3 bed, 1.5 bath 2 story home on a half acre is conveniently located between Hemlock and Thomas Township, minutes away from Hemlock Semiconductor. Lots of living space inside, with a living room, family room, partially finished basement, and large sunroom with a panoramic view of the large, private, well-maintained back yard. Newer kitchen cabinets and new stove in the kitchen. The house has central heat and air conditioning, 2 car garage, and all appliances and furniture can stay. The lot is beautiful, the house is clean and well cared for, and the location is perfect with a rural setting so close to the city. Hemlock Public Schools.

2851 N Orr Road, Hemlock

Listing Courtesy of Ayre/Rhinehart-Midland, Office Phone: 989-631-7000
4403 N Raucholz Road, Hemlock
$299,900
ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 50202567 MLS
Calling all contractors, investors, and buyers ready to roll up their sleeves! This charming country property features 7.24 acres, a spring-fed pond, and the opportunity to bring a special property back to life! A prior appraisal from approximately two years ago reflected a value of $400,000. Enjoy acreage without endless mowing! The home overlooks an approximately 1.7-acre pond, with 4+ acres beyond the water accessible through an approximately 40-foot-wide opening from the road. Only about half an acre of lawn needs mowing! Individual land and pond measurements are estimates based on GIS tools. Previously enjoyed for fishing, kayaking, and swimming, the pond offers the potential for a beautiful outdoor retreat. A 35' x 10' covered patio overlooks the water, surrounded by mature trees and wildlife. Pond, landscape, and grounds maintenance has been deferred. Inside, discover mid-century modern charm with an updated glow! This property needs work, and we're upfront about it. A March 2026 inspection report and contractor estimates are available. Known needs include roof and electrical panel replacement, furnace concerns, and crawl space work involving a sump crock, pump, drainage, encapsulation, and waterproofing. Estimates for these items total approximately $55,000; additional work may be needed. Previously operated as a successful Airbnb! Historical net operating income (NOI) information is available upon request. Buyer to verify short-term rental rules and income potential. The well was installed in September 2009 and the septic system redone in 2011; both were reported to be functioning properly at the March 2026 inspection. Bring your contractor, tools, and imagination to restore this country retreat! SHORT SALE: All offers subject to seller acceptance and written short-sale lender/lienholder approval. Price, seller-paid costs, fees, concessions, and all purchase agreement terms are subject to approval and possible modification. Approval is not guaranteed; closing may take several months. Offered as-is. Buyer and buyer's agent to verify all information and conduct due diligence. Prior appraisal is historical, not a current valuation. Inspection and estimates available upon request.

4403 N Raucholz Road, Hemlock

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