Saginaw Homes with Land Contract Financial terms

Welcome to Saginaw, Michigan – a vibrant city nestled in the heart of Saginaw County, where rich history meets modern living. Known for its friendly community and diverse neighborhoods, Saginaw offers a unique blend of urban amenities and serene landscapes. With its picturesque parks, charming downtown area, and a variety of cultural attractions, residents enjoy a quality of life that is both fulfilling and affordable.

Saginaw is home to a range of housing options, making it an ideal place for families, young professionals, and retirees alike. Whether you’re drawn to historic homes with character or modern builds with all the latest conveniences, you’ll find a property that fits your lifestyle. One of the most appealing financial options available in Saginaw is the Homes with Land Contract financing. This flexible approach allows buyers to purchase their dream home without the traditional hurdles of bank financing. With a land contract, you can enjoy more lenient credit requirements and the ability to negotiate terms that suit your financial situation.

Imagine owning a piece of Saginaw, where you can create lasting memories and build a future. The combination of affordable living, community spirit, and the opportunity for homeownership through land contracts makes Saginaw an excellent choice for your next home. Explore the possibilities in this charming city, and discover how you can make Saginaw your own. Whether you're ready to buy or just starting your search, our team is here to guide you every step of the way!

Newest Saginaw Homes with Land Contract Financial terms

$19,900

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 70547228 MLS

1810 Carroll Street, Saginaw

Listing Courtesy of Real Broker, LLC, Office Phone: 855-450-0442

$350,000

ACTIVE Status ⋅ 50213574 MLS

Rare opportunity to acquire both a profitable, established automotive repair and transmission business and the accompanying real estate in a prime Saginaw location near downtown with convenient highway access. This well-known shop has been serving the community for over 40 years, with the current owners operating the business profitably during the two years they have owned it. Land contract terms are available, creating added flexibility for qualified buyers. The property features a well-maintained 40' x 100' commercial building with five service bays, 14-foot ceilings, and ample space to support a wide range of automotive services. Situated on a secured, fully fenced site with parking capacity for up to 200 vehicles, this property offers exceptional functionality and room for growth. The business currently provides general automotive repair, oil changes, exhaust services, transmission work, and more. The facility includes a customer waiting area, private office space, employee break room, bathroom, and additional storage areas. Included in the sale is an extensive inventory of equipment, featuring four hoists, compressors, tire machines, an alignment rack, and numerous additional tools and equipment necessary for continued operation. Recent capital improvements include new furnaces and a new hot water tank. A security system is already in place, and existing employees may be willing to remain, providing valuable operational continuity for a new owner. Whether you're an owner-operator, investor, or an established automotive business looking to expand, this turnkey opportunity offers proven profitability, valuable real estate, extensive equipment, an established customer base, and a strategic location with excellent accessibility. Contact us today for additional information, financial details, and to schedule a private showing.

0000 N Mechanic Avenue, Saginaw

Listing Courtesy of Modern Realty, Office Phone: 989-486-9770

$50,000

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50210465 MLS

Tired of renting? Here's your opportunity to own a home! Located at 3326 Ruckle St in Saginaw, this 3 bedroom, 1 bath home offers 935 square feet of living space and is available on land contract terms. The property features a 1-car detached garage, a good-sized lot, and a ramp leading to the front entrance for added accessibility. The home does need some work, making it a great option for buyers looking to build equity through improvements. Whether you're searching for an affordable path to homeownership or an investment opportunity, this property has plenty of potential. Bring your ideas and make it your own! Schedule your showing today!

3326 Ruckle Street, Saginaw

Listing Courtesy of REMAX Edge, Office Phone: 810-636-9172

$153,900

ACTIVE UNDER CONTRACT Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 50210421 MLS

OPEN HOUSE CANCELLED 7/25/2026; Accepting Back Up Offers. Welcome to an established, well-manicured neighborhood in the city of Saginaw. Walking distance to the VA Hospital, Parks, and Shopping, you can be in a centralized location. This home was renovated in 2024. The bathrooms are nicely done with ceramic tile. There is a living room, formal dining room, large kitchen with a breakfast nook, a nice pantry , and 1/2 bath on the main level. Upstairs features a master suite with a balcony, two other large bedrooms, and a large bathroom with double sinks. The basement is finished with carpet and has a workshop. The furnace was replaced in 2025. There is an A/C Unit. Sump pump installed 2026. The backyard is small, long, and secured with a privacy fence. Call us to schedule a showing today! ONE YEAR HOME WARRANTY PAID BY LISTING AGENT WITH ACCEPTABLE OFFER.

15 Ruggles Road, Saginaw

Listing Courtesy of Pinnacle Realty, Office Phone: 989-295-3900

$55,000

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50209786 MLS

Welcome to a great home with a large basement ready for some tlc. This is available for a land contract. 10k down minimum

2506 Owen Street, Saginaw

Listing Courtesy of Keller Williams Preferred, Office Phone: 989-792-8200

$64,900

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50209138 MLS

Investment Opportunity! A renovated 3 bedroom 1 bathroom ranch with 12 foot ceilings in the living room. This home has been updated inside throughout. There is new electrical, new plumbing, a new roof, a new kitchen with granite and ceramic tile, a new decent sized bathroom, and new paint & flooring throughout. This home has a large fenced in backyard. It sits on a corner - dead end lot and has a garage. The tenant would like to stay. Lease began January 2026 at $1050 monthly. Give us a call for more info!

4415 Hiland Street, Saginaw

Listing Courtesy of Pinnacle Realty, Office Phone: 989-295-3900

$274,900

ACTIVE Status ⋅ 50206810 MLS

Located on high-traffic Dixie Highway in Bridgeport, this fully renovated mixed-use commercial opportunity brings multiple streams of income together in one turnkey package. The property features a completely updated bar ready for immediate operation, along with an attached fully renovated 2 bedroom, 1 bathroom apartment offering additional rental income and its own fenced yard. Included in the sale is the liquor license, liquor inventory, all equipment, tables, chairs, and furnishings, making this a true ready-to-go business opportunity for its next owner. Additional income potential comes from the play-for-fun casino machines, pool table, and ATM, with current revenue-sharing arrangements in place on the machines and pool table. The property also offers a small kitchen area, outdoor seating space for the bar, a large lot with plenty of parking, and excellent visibility in a strong traffic-count location. With major updates throughout and multiple income-producing components under one roof, this is a unique investment opportunity with strong upside potential.

5463 Dixie Highway, Saginaw

Listing Courtesy of Berkshire Hathaway HomeServices, Office Phone: 989-790-9292

$150,000

ACTIVE Status ⋅ 70527444 MLS

Prime Multi-Tenant Commercial Opportunity- High Visibility on State StreetPositioned along a highly trafficked corridor in Saginaw, this versatile multi-tenant property at 2600-2602 State Street offers an outstanding opportunity for investors or owner-users alike. The building features approximately 8,947 square feet and is configured into four separate units, providing flexibility for a variety of uses including retail, office, service-based businesses, or storage. Each unit offers its own entrance, making it ideal for multiple tenants or a single user seeking to occupy part of the space while generating additional income.With excellent visibility and strong frontage along State Street, this property benefits from consistent daily traffic and prominent signage potential. Its adaptable layout, combined with a desirable central location, makes it well-suited for both established businesses and growing enterprises. Don't miss this opportunity to secure a highly visible commercial as

2600 State Street, Saginaw

Listing Courtesy of Parkside Key Realty, Office Phone: 989-274-4592

$68,500

ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 50202613 MLS

Rent-to-own opportunity! Spacious 4 bed, 2 bath home with strong upside potential for the right buyer. Perfect for a handyman or investor looking to build equity, and a great opportunity for someone looking for an alternative path to homeownership. This beautiful historic home still has many of the original features, and comes with a brand new roof

616 N Oakley Street, Saginaw

Listing Courtesy of Mid-Mitten Realty, Office Phone: 989-401-0027

$59,000

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50202212 MLS

A perfect starter home being offered as a land contract.

128 Woodward Street, Saginaw

Listing Courtesy of Keller Williams Preferred, Office Phone: 989-792-8200

$17,900

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50195234 MLS

Land contract available. Great investment opportunity! House is stripped to the studs and looks to have new electrical.

116 N 24th Street, Saginaw

Listing Courtesy of All Star Real Estate, Office Phone: 989-922-6800

$499,999

ACTIVE Status ⋅ 50190000 MLS

Located in one of Saginaw Township’s most vibrant and high-traffic areas. This property presents an exceptional opportunity for investors and business owners alike. The building has been fully renovated, offering a modern, fresh, and professional environment suitable for a variety of uses. The new owner will have the flexibility to occupy the premises as an office or to hold as an investment property and lease to tenants. Its strategic location ensures excellent visibility and accessibility, making it ideal for professional services, administrative offices, or other commercial enterprises. Highlights: Prominent location in a busy commercial district Fully updated and move-in ready interior Flexible ownership options: owner-occupy or lease investment High exposure with strong traffic counts This is a rare chance to secure a turn-key commercial property in a premier location. Call today to schedule your private showing

3061 Christy Way, Saginaw

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

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