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

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50221571 MLS

If you are searching for a quiet, tucked away place to call your own , but still want the convenience of being close to all things Saginaw County, this is the home meant for you! Charm meets coziness in this charming 3 bed, 1.5 bath home. Location PLUS, this gem is located just a short distance away from most every shopping center and amenity, yet it is back in the calm of a beautiful subdivision where the solace does exist! Everything is mainly on one level and offers a living experience of ease and sheer coziness. However, the full basement offers space to create your own use ,whether it be storage, work space, or more. Hardwood graces the bedrooms and under the living room carpet. There is a fireplace for the warmth of a cozy night at home as cooler weather approaches but central air for now as we balance the ups and downs of Michigan weather.The back living room porch area is a great area to gather or just find the quiet of a good book. This 3 bedroom, bath and a half home is ready for its next owners. It could be you! Take a peek and try it on for size.

2450 Yellowstone Street, Saginaw

Listing Courtesy of BOMIC Real Estate, Office Phone: 989-624-4444

ACTIVE Status ⋅ 1 Beds ⋅ 1 Baths ⋅ 50221559 MLS

Completely Renovated Gem in the Heart of Saginaw! Welcome to this beautifully rebuilt home that has been completely updated from the studs out, offering the perfect blend of modern comfort and low-maintenance living. Every detail has been thoughtfully redesigned, making this property truly move-in ready. This charming 1-bedroom, 1-full-bath home features a stunning tiled bathroom and an open, inviting layout with vaulted ceilings. The gorgeous kitchen boasts beautiful countertops, brand-new cabinetry, and modern finishes that make cooking and entertaining a pleasure. Investment Opportunity! Located in the City of Saginaw, this property is an excellent candidate for a short-term or mid-term rental. With its proximity to local healthcare facilities, it is perfectly suited for traveling nurses and healthcare professionals seeking comfortable, furnished accommodations for several months at a time. The updated finishes, private outdoor space, and turnkey condition make it highly appealing for Airbnb or corporate rental use. Whether you're a first-time homebuyer, downsizing, or looking for a strong investment property, this completely renovated home is a must-see!

1910 Newberry Drive, Saginaw

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

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 50221530 MLS

A truly exceptional retreat where refined updates meet peaceful acreage. This beautifully remodeled 2-bedroom, 1-bath residence is set on 2.38 picturesque, wooded acres, offering privacy, natural beauty, and an impressive connection to the outdoors. Step inside to discover thoughtfully updated interiors, new flooring throughout, and a warm, inviting fireplace that creates an elegant focal point for relaxing or entertaining. The full basement provides valuable additional space with endless possibilities. Outside, the property continues to impress with a substantial 36x40 pole barn equipped with electricity, ideal for a workshop, recreational equipment, vehicles, or storage. A separate 16x16 electrically equipped shed provides even more versatility. The mature, treed acreage is a haven for abundant wildlife and offers a rare sense of tranquility while remaining conveniently close to schools, shopping, and everyday amenities. A distinctive property offering privacy, functionality, and timeless appeal.

2655 S River Road, Saginaw

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

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50221518 MLS

Looking for an affordable three-bedroom brick ranch with a finished basement and sunroom in Saginaw Township? Welcome to 2520 Moonglow! This adorable mid-century home offers approximately 2,200 square feet of finished living space, three bedrooms, and two full bathrooms, including a convenient main-floor primary suite with its own private bath. Main-floor laundry makes everyday living even easier! Inside, you’ll find fresh paint, original hardwood floors, newer vinyl windows, new appliances, and a kitchen with plenty of cabinetry and counter space. A touch of vintage charm remains, while major updates have already been completed, giving you room to embrace the home’s mid-century charm or make it completely your own. The carpets have also been freshly cleaned, making this home move-in ready! The enclosed sunroom may quickly become your favorite spot for morning coffee, relaxing with a book, or enjoying an iced tea while overlooking the fenced backyard. The finished basement provides even more room to entertain, work from home, or enjoy your favorite hobbies. Add an egress window for the potential to create another bedroom, subject to proper approvals. Major updates include a new furnace in 2025 and a new roof in 2022. The home is also well insulated for added energy efficiency. Outside, enjoy a large fenced-in yard and an extra-long 24x33 attached garage with room for parking, storage, tools, or projects. Located in the Saginaw Township School District, just 5–10 minutes from shopping and dining with easy expressway access. Some photos have been AI-generated to show possible furniture layouts. Schedule your private showing today!

2520 Moonglow Drive, Saginaw

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

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50221491 MLS

Pride of ownership stands out in this contemporary home in the desirable Glencairn subdivision, located within the Swan Valley School District! This 1,841 sq. ft. home offers 3 bedrooms, 2 full baths, first-floor laundry, and sits on a spacious .62-acre lot. The home has been meticulously cared for and features numerous updates, including a newer roof, furnace, central air, and hot water heater. Enjoy the gorgeous backyard with stamped-concrete patio, retractable awning providing shade and inviting sunroom, perfect for relaxing or entertaining. The garage is an added surprise, deep enough to hold 4 cars with a garage door that goes out to the back yard. Large partially finished basement extends the possibilities and living space! A wonderful combination of comfortable living, desirable location, and exceptional outdoor space. Many additional updates—truly move-in ready!

8461 W Glencairn Drive, Saginaw

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

COMING SOON Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 61029292 MLS

1510 Casimir Street, Saginaw

Listing Courtesy of The Brand Real Estate, Office Phone: 810-429-9691

ACTIVE Status ⋅ 3 Beds ⋅ 4 Baths ⋅ 50221459 MLS

Grab your golf clubs & come tee up in the backyard of this rare ranch find on the 14th fairway of Swan Valley Golf Course. Surrounded by mature trees and greenbelt, this well-maintained 3-bedroom, 3.5-bath ranch offers a spacious living room with gas fireplace, hardwood floors, a generously appointed kitchen with double ovens and tons of cabinetry, first-floor laundry, and a private primary suite with a huge walk-in closet and full bath. Off the kitchen/dining area, a bright 3-season porch opens to a stamped concrete patio overlooking the golf course—an ideal setting for morning coffee, entertaining, or simply enjoying the view. An attached 2.5-car garage with workshop area, lawn irrigation, and beautifully landscaped .45-acre lot complete the package. Head downstairs for an additional 1,200 sq. ft. of finished living space designed for entertaining and everyday flexibility. The lower level features a large family/recreation room, wet bar, fourth bedroom/office/den, bonus/media space, and full bath, along with new luxury vinyl flooring, a custom carpentry island, and solid surface countertops. Golf course living doesn't get much better than this!

1349 Kennely Road, Saginaw

Listing Courtesy of White Realty, Office Phone: 989-799-7779

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50221420 MLS

Fully Updated 3BR/1BA Turn-Key with Brand New Structural & Mechanical Systems. Complete top-to-bottom renovation offering total peace of mind and zero deferred maintenance. Virtually every major structural, mechanical, plumbing, and electrical system has been replaced new. All Brand New Features & Updates include: Structural: Roof, windows, and floor joists. Foundation: B-Dry waterproofed crawlspace with a new sump pump. Mechanicals & Plumbing: Central AC, furnace, water heater, and plumbing lines. Electrical: Exterior main power mast and updated service. Interior: Luxury flooring, paint throughout and stainless steel kitchen appliances. Perfect for first time buyers, down sizers, or investors looking for a truly maintenance free property. Move-in ready and priced to sell. Schedule your showing today!

1245 E Outer Drive, Saginaw

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

ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 50221399 MLS

Welcome home to this beautifully updated brick ranch offering 4 bedrooms and 2 full baths, with thoughtful improvements throughout that make this home truly feel brand new! You’ll notice the fresh, modern finishes and attention to detail. The spacious living area features brand-new vinyl plank flooring, which continues through the hallway and into the finished basement. The updated kitchen is both stylish and functional, featuring attractive tile flooring, a beautiful backsplash, and new fixtures. Gorgeous new lighting throughout the home adds a fresh, sophisticated touch, including a stunning chandelier and inset lighting. Both full bathrooms have been completely updated with beautiful tile finishes, modern toilets, and smart mirrors. Major mechanical updates include a newer furnace and hot water heater (2023), plus NEW central air conditioning, plumbing and electrical throughout! Vinyl replacement windows provide added comfort and efficiency. Outside you'll find a brand-new concrete front porch area and back patio, perfect for relaxing or entertaining. The partially fenced backyard provides a great private outdoor space. A Nest doorbell adds convenient modern security, while the StayDry basement waterproofing system provides added peace of mind. With its classic brick exterior, spacious layout, finished basement, extensive updates, and inviting outdoor spaces, this home combines timeless charm with modern comfort. Simply unpack and enjoy!

3285 Bertha Drive, Saginaw

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

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50221364 MLS

TURN-KEY RANCH HOME IN A BEAUTIFUL WOODED SUBDIVISION! This well-maintained three-bedroom, one-and-a-half-bath ranch is nestled on a spacious corner lot and offers a comfortable, inviting layout designed for both everyday living and entertaining. The large living room features a beautiful gas fireplace and flows seamlessly into the dining area and updated kitchen. Gorgeous new wood flooring throughout adds warmth and a fresh, modern feel to the home. Just off the dining area is a wonderful four-season family room featuring slider-door access to a private deck and entertaining area, creating the perfect space to relax or enjoy gatherings with family and friends. Spacious bedrooms provide plenty of room for everyone, while the partially fenced yard offers additional outdoor space. A full basement provides abundant storage and future possibilities. This move-in-ready home has so much to offer—schedule your personal tour today and see all that this wonderful ranch has to offer!

1870 Mcarthur Street, Saginaw

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

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61028614 MLS

??AFFORDABLE & UPDATED 3-BEDROOM HOME IN SAGINAW! Looking for an affordable home without taking on a long list of major projects? Welcome to 2518 Hermansau St, offered at just $100,000! This 3-bedroom, 2-bathroom single-family home with a basement is a fantastic opportunity for a first-time homebuyer, investor, or anyone looking for an affordable place to call home. Several important updates have already been completed, including new water service, new electrical service, updated plumbing, and a new furnace and hot water tank installed in 2025! You'll also find some newer windows, updated flooring, and refreshed fixtures throughout the home. The basement provides additional space for storage, recreation, a home gym, or whatever fits your needs. With many of the major systems already updated, you can focus on making the home your own. Priced at $100,000 and packed with updates--this is an opportunity you don't want to miss! Schedule your showing today and see everything 2518 Hermansau St has to offer. This one won't last long! showings by appointment only with licensed agent

2518 Hermansau Street, Saginaw

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

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 50221341 MLS

***Multiply offers! All offers to be submitted by 6pm 9/13/26. Seller will respond that evening!*** Enjoy the peace, privacy, and space of country living with this charming 2-bedroom home situated on a beautiful 4.38-acre parcel. The home features hardwood floors throughout, adding warmth and character to the living spaces. A newly updated walk-in shower provides a fresh, modern touch to the bathroom. The unique L-shaped living room offers the possibility of creating a third bedroom, subject to township zoning approval. This flexible space gives the next owner an opportunity to customize the home to fit their needs. Outside, you'll find plenty of room for hobbies, storage, equipment, and recreation. A spacious 40' x 30' pole barn provides excellent workspace and storage, while a 20' x 16' shed in the backyard offers additional storage. With 4.38 acres, two substantial outbuildings, hardwood floors, an updated bathroom, and potential for a third bedroom, this property offers a great combination of country living, space, and opportunity.

6115 Dorwood Road, Saginaw

Listing Courtesy of Ayre/Rhinehart Bay REALTORS, Office Phone: 989-892-4800

Start Your Search