Saginaw Homes with FHA Financial terms

Saginaw Homes with FHA Financial terms

Welcome to Saginaw, Michigan – a charming city nestled in the heart of Saginaw County, known for its rich history, vibrant community, and diverse neighborhoods. With a population of just over 48,000 residents, Saginaw offers a unique blend of small-town warmth and urban convenience, making it an ideal place to call home.

Saginaw boasts a variety of attractions that cater to all interests. Outdoor enthusiasts can explore the scenic beauty of the Shiawassee National Wildlife Refuge, while culture aficionados might enjoy the renowned Saginaw Art Museum or catch a performance at the historic Temple Theatre. The city is also home to a thriving local dining scene, where you can savor everything from classic Midwestern fare to international cuisine.

For prospective homeowners, Saginaw presents an excellent opportunity, especially for those considering FHA financing options. With the Federal Housing Administration (FHA) loans, you can take advantage of lower down payment requirements and flexible credit standards, making homeownership more accessible. Whether you’re a first-time buyer or looking to invest in a rental property, Saginaw’s diverse housing market offers a range of options to fit your needs.

From charming bungalows to modern family homes, Saginaw's real estate landscape is as diverse as its community. With affordable prices and a welcoming atmosphere, it's no wonder that more people are choosing to make Saginaw their home. Explore the possibilities today and discover why Saginaw is the perfect place to start your next chapter!

Newest Saginaw Homes with FHA Financial terms

$219,900
ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 50216668 MLS
Character, space, and convenience come together at 5456 Adrian Street! Tucked into a quiet Saginaw Township neighborhood, this home feels pleasantly removed while keeping everyday favorites remarkably close. Starbucks, Applebee’s, Walmart, and the State Street shopping and dining corridor are approximately three minutes away, with convenient access to the expressway, Saginaw Township North, Delta College, and SVSU. Cute curb appeal welcomes you inside, where fresh white paint and original hardwood floors create a clean blank canvas ready for your personal style. The flexible four-bedroom layout offers two generously sized bedrooms and a full bathroom on the main floor, plus two additional oversized bedrooms and another full bathroom upstairs—a hard-to-find setup with options for main-floor living, guests, a home office, or multigenerational needs. The living room’s three-sided fireplace delivers unforgettable mid-century character and creates a natural focal point between the living and dining spaces. Abundant built-in cabinetry and storage can be found throughout the home, while the bright sunroom offers a relaxing place to enjoy backyard views. The kitchen and bathrooms are ready for their next chapter, but the potential is easy to see. Select images have been virtually renovated and staged to help buyers envision how beautiful these spaces could become. The finished basement provides even more flexibility with a spacious recreation/bar room and a private half bathroom. With the addition of a properly permitted egress window, the space may offer potential for a future fifth bedroom or guest suite. Outside, enjoy a fenced backyard, fire pit area, and detached one-car garage. The furnace is approximately eight years old, offering plenty of expected useful life ahead. Bring your ideas and make this spacious, character-filled Saginaw Township home your own! Buy smart, make it cute, and create the opportunity to build equity through your own improvements! **Photo disclosure:** Select images have been virtually staged and/or digitally renovated for visualization purposes. No depicted renovations or furnishings are included. Buyers should independently verify feasibility, permitting, materials, and costs.

5456 Adrian Street, Saginaw

Listing Courtesy of EXP Realty, Office Phone: 888-501-7085
$319,900
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 50216659 MLS
Welcome to this spacious 3-bedroom, 2.5-bath home in the desirable Golfside neighborhood. Offering a functional layout with generous living spaces, this home features a large family room, formal dining room, and a finished basement, with both the living room and basement showcasing stunning fireplaces. The primary suite includes a private full bath and an abundance of closet space. Throughout the home, you’ll find beautiful hardwood floors, Andersen windows, and elegant crown molding that add warmth and character. Step outside to a fenced backyard complete with a gazebo, and covered porch providing the perfect setting for relaxing or entertaining. Features that add peace of mind in this home include a Generac generator and an alarm system. With plenty of space inside and out, this home is ready for its next owner to enjoy.

22 Benton Road, Saginaw

Listing Courtesy of Berkshire Hathaway HomeServices, Office Phone: 989-790-9292
$110,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216644 MLS
Three bedroom bath and a half ranch minutes away from Nexteer Automotive. Don't let the footage fool you, this one lives larger than it appears on paper. Efficient floor plan with galley style kitchen, dedicated dining space and large living room with tons of storage throughout. All three bedrooms are of good size with nice closet space. Full basement underneath with finished living space, workshop area and even more storage space. Deep garage with large access to fenced in private back yard. Estate sale being sold "as is". Estate sale on 7/30/26 & 7/31/26, photos will update after sale is complete.

1871 Joy Road, Saginaw

Listing Courtesy of Wilson Realty, Office Phone: 989-793-5650
$245,900
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216635 MLS
Happiness on Hartford! Pride of ownership shines throughout this beautifully maintained, move-in-ready gem. This thoughtfully designed 3-bedroom, 2-bath home offers a comfortable layout with the convenience of main-floor laundry and numerous recent updates. Enjoy peace of mind with newer windows, a freshly painted exterior (2025), fresh interior paint in a modern neutral palette (2025), a new backyard patio (2025), and a new shower enclosure in the hall bathroom (2022). The kitchen features brand-new stainless steel appliances (2026), while the new boiler installed in February 2026 will keep you warm and comfortable during the winter. The spacious primary suite includes its own private en-suite bathroom. An additional family/sunroom provides flexible space to relax, entertain, or enjoy the natural light. A partially finished basement and abundant storage add even more functionality to this wonderful home. Don’t miss your opportunity, call for your personal showing today!

3827 S Hartford Drive, Saginaw

Listing Courtesy of Real Estate One Great Lakes Bay, Office Phone: 989-607-2100
$215,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216611 MLS
Welcome home to this charming full-brick ranch situated on an oversized lot in a convenient location close to major freeways and just minutes from Saginaw Valley State University. This well-maintained home features a spacious, updated kitchen with plenty of cabinetry and all appliances included, making it move-in ready from day one. Inside, you'll find three generously sized bedrooms and an inviting living room with a cozy fireplace insert for those chilly winter evenings. Recent improvements include newer paint, carpeting, light fixtures, and gutters, giving the home a fresh, updated feel. Step outside to enjoy the fenced backyard, perfect for pets, play, or entertaining. A standout feature is the insulated bonus garage, complete with a workbench and plenty of room to store outdoor equipment, recreational toys, or create the ultimate workshop. With its spacious lot, thoughtful updates, and excellent location, this home offers comfort, functionality, and exceptional value. Schedule your showing today!

1685 Liberty Road, Saginaw

Listing Courtesy of MI Skye Realty LLC, Office Phone: 989-455-8889
$139,900
ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50216584 MLS
Welcome to 7 Southlawn Ct.!!! If you're looking for a home that's already been updated, this one is a must-see! This charming home has been refreshed from top to bottom, so you can move in and start enjoying it right away. The brand new kitchen features granite countertops, stainless steel appliances, and a clean, classic look you'll love. The bathroom has also been completely updated, and you'll find new carpet and vinyl plank flooring throughout along with fresh paint inside and out, giving the home a bright and fresh feel. You'll also have peace of mind knowing the plumbing and electrical have been updated with a brand-new breaker box and both the house and garage have new metal roofs for years of durability. The basement has also been partially waterproofed, adding even more value and confidence. Need garage space? The detached 2-car garage , built in 2013, offers plenty of room for vehicles, storage, hobbies, or a workshop. With all the big-ticket updates already taken care of, all that's left to do is move in and make it your own. Come see everything 7 Southlawn Ct. has to offer!!! Agent owned

7 Southlawn Court, Saginaw

Listing Courtesy of NextHome Greater Tri-cities, Office Phone: 989-759-9606
$314,900
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 50216558 MLS
Welcome to this spacious 2-story condo in Saginaw Township offering 3 bedrooms and 2.5 baths in a desirable location on a cul-de-sac near Heritage High School. The main-floor primary suite features a walk-in closet and a private bath with a double vanity, walk-in shower, and relaxing Jacuzzi tub. The kitchen is designed for both everyday living and entertaining with stainless steel appliances, a large center island with counter seating, and an open layout flowing into the dining area. A sliding glass door leads to a private deck overlooking the backyard, while first-floor laundry adds everyday convenience. The living room boasts vaulted ceilings and a cozy gas fireplace, creating a bright and inviting space with abundant natural light. Upstairs, you'll find two additional bedrooms, a full bath, and a spacious bonus room that offers endless possibilities as a home office, family room, playroom, or guest space. A spacious 2-car attached garage provides plenty of room for parking, extra storage, and all of your seasonal or recreational belongings. Combining comfort, functionality, and a fantastic location in a well-kept community, this easy-living condo is ready for its next owner.

8 Thornapple Court, Saginaw

Listing Courtesy of Berkshire Hathaway HomeServices, Office Phone: 989-790-9292
$250,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61015344 MLS
Well-maintained 3 bedroom, 2 full baths Ranch in an established Saginaw Township neighborhood! The home offers a great layout with multiple living spaces, including a spacious family room with fireplace, bright front living room, and an eat-in kitchen with plenty of cabinetry. Main-floor laundry, an attached 2-car garage, and an unfinished basement provide plenty of additional convenience, storage and usable space. Outside, you'll find mature landscaping, a covered front porch and a nicely sized backyard with established trees and plenty of shade. Great Saginaw Township location close to shopping, restaurants, schools, parks and everyday amenities. A clean, well-cared-for home that has been maintained over the years and is ready for its next owner.

1317 Cranbrook Drive, Saginaw

Listing Courtesy of EXP Realty Main, Office Phone: 888-501-7085
$214,999
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216440 MLS
A Keeper on Kochville! Welcome home to this well-maintained 3-bedroom, 2-full-bath ranch nestled in a desirable area and located within the highly sought-after Freeland School District. Enjoy peaceful mornings and relaxing evenings overlooking your private backyard with beautiful views of a picturesque horse farm. With a spacious layout, this home has been lovingly cared for and is ready for its next owner to make it their own. A new roof installed last year provides added peace of mind. Don’t miss this incredible opportunity to turn this charming ranch into your dream home!

8908 Kochville Road, Saginaw

Listing Courtesy of Modern Realty, Office Phone: 989-486-9770
$265,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61015244 MLS
Modern farmhouse charm meets everyday comfort in this beautifully updated 1,800 sq ft, 3 bedroom, 2 bath brick ranch. From the welcoming covered front porch with wood beams and whitewashed brick to the thoughtfully designed interior, every space feels warm, inviting, and effortlessly livable. Cozy living room features newer carpet, a charming original built-in, and a shiplap fireplace that creates the perfect focal point. Designed for both everyday living and entertaining, the kitchen overlooks the private, fully fenced backyard and screened porch while offering luxury vinyl plank flooring, abundant cabinetry, faux quartz countertops, and a classic farmhouse sink that adds both style and function. Just beyond, a spacious laundry room and butler's pantry with an additional sink provide exceptional storage and workspace before leading to a versatile flex room off the garage--ideal as a mudroom, home office, hobby space, or playroom. The private primary suite includes its own en suite bath, while the second full bathroom has been thoughtfully updated with a vessel sink vanity and luxury vinyl plank flooring. Downstairs, the expansive unfinished basement is a blank canvas ready for a future recreation room, home gym, workshop, or additional living space, with plumbing available for a potential third bathroom to further enhance the home's value. An attached two-car garage, underground sprinkler system, and all included appliances add everyday convenience, while nature enthusiasts will love being just one mile from Price Nature Preserve, where miles of scenic trails and outdoor recreation are only minutes away.

5330 Sheridan Road, Saginaw

Listing Courtesy of Knockout Real Estate, Office Phone: 989-652-6300
$215,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216296 MLS
Well cared for all brick ranch in the heart of Saginaw Township. Pride of ownership shows thru-out this wonderful 3 bedroom, 1 and 1/2 bath home. The home has a very large eat in kitchen with a huge Pantry. Beautiful family room with wood burning fireplace and original hardwood floors, which are also in all 3 bedrooms and in the hallway. The First Floor Laundry Room could also easily have an added half bath as all the plumbing is there for it. There is a Heated 4 season sun-porch which opens up to a wonderful deck with a covered Pergola for those sunny afternoons. The large deck then goes into the fenced in backyard with plenty of shade, a garden area and 2 storage sheds for everything that doesn't fit in the oversized Heated 2 and 1/2 garage. Full basement with tons of storage, and a workshop. Also, lawn has a sprinkler system.

4860 Indian Trail Road, Saginaw

Listing Courtesy of Wilson Realty, Office Phone: 989-793-5650
$219,900
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216286 MLS
Immediate possession is yours when you purchase this 3 bedroom - 2 bath, full basement, ranch style home in Saginaw Twp! Large updated kitchen, spacious living room with built-in cabinets, brand new roof and gutters (July 2026)!! Attached 28 x 20 garage. 20x10 patio overlooking fenced back yard. 16 x 8 storage shed for lawn equipment. One Year Home Warranty included!!

4200 S Wayside Drive, Saginaw

Listing Courtesy of RE/MAX New Image, Office Phone: 989-790-0890
Start Your Search
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.