Saginaw Homes with FHA 203K Financial terms

Welcome to Saginaw County, Michigan – a hidden gem nestled in the heart of the Great Lakes region. Known for its rich history and vibrant community, Saginaw offers a unique blend of urban amenities and natural beauty. With its charming neighborhoods, picturesque parks, and a strong sense of community, it's no wonder that families and individuals alike are drawn to this welcoming area.

Saginaw County boasts a variety of recreational opportunities, including the scenic Saginaw River and several beautiful parks, perfect for outdoor enthusiasts. The area is home to a diverse array of cultural attractions, from local art galleries to historic sites, ensuring there's always something new to explore. Additionally, Saginaw's convenient location provides easy access to larger metropolitan areas, making it an ideal place for those who appreciate the tranquility of suburban living without sacrificing access to city life.

For those considering homeownership in this charming county, the FHA 203K loan program offers an excellent opportunity to purchase and renovate properties. This financing option is designed for buyers looking to invest in homes that may need repairs or updates. With the FHA 203K program, you can finance both the purchase price and the cost of renovations into a single mortgage, making it easier to turn your dream home into a reality. Whether you're drawn to Saginaw's historic homes or modern developments, this financial option provides the flexibility you need to create a space that truly reflects your style and needs.

Explore the possibilities in Saginaw County, where your ideal home awaits!

Newest Saginaw Homes with FHA 203K Financial terms

$530,200

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50214073 MLS

Experience the Cobblestone difference with this beautifully crafted new construction home in desirable Frankenmuth. Offering 1,711 sq. ft., 3 bedrooms, 2 full baths, and a 2-car garage, this home blends exceptional craftsmanship with today's most desirable finishes. The private primary suite features a custom tiled shower and shiplap accent wall, while the spacious great room showcases a custom tray ceiling with reclaimed barn wood, handcrafted beams, and a stunning floor-to-ceiling tiled fireplace. The modern kitchen includes slow-close cabinetry, quartz countertops, a triple-tone tile backsplash, and a large walk-in pantry. Oversized black-framed Andersen 100 Series windows fill the home with natural light. Built beyond ENERGY STAR standards, this home features Cobblestone Homes' Premium Insulation Package, providing outstanding comfort, energy efficiency, and year-round performance. The full 9-foot basement includes an egress window and is pre-plumbed for a future bathroom, making expansion simple. Outside, enjoy professional landscaping and a full underground sprinkler system. Built with the quality, efficiency, and attention to detail Cobblestone Homes is known for, this home is designed to provide lasting value and comfort for years to come.

343 Frank Road, Frankenmuth

Listing Courtesy of Cobblestone Realty LLC, Office Phone: 989-692-0210

$34,900

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50213736 MLS

Attention Investors and Rehabbers! Opportunity awaits at this historic St. Charles property situated on approximately 1.03 acres. Featuring original character details, arched openings, and a spacious layout, this property offers excellent upside potential for a flip, rental, or long-term investment. Property requires extensive cleanout & renovation and is being sold strictly AS-IS.

1416 Chesaning Street, Saint Charles

Listing Courtesy of Joseph Walter Realty LLC, Office Phone: 888-227-1009

$70,000

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50212800 MLS

POLE BARN 30 X 40. FHA (203K) Loan will replace the roof and paint the house. Everything else is in good condition! There are two bedrooms with a possibility of a third on the main floor. Two full Bathrooms. First floor Laundry Priced to Sell! Walking Distance to Dow Event Center!

520 N Franklin Street, Saginaw

Listing Courtesy of Etiquette Times Realty, Office Phone:

$235,000

ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 50210364 MLS

Welcome to 22359 Gratiot Rd in Merrill — a spacious 3-bedroom, 2.5-bath home offering over 2,000 square feet of living space, a functional layout, and the extra room buyers are looking for. Sitting on approximately 0.62 acres, this property gives you the comfort of a manageable country setting while still keeping you close to town, schools, and everyday conveniences. Inside, you’ll find generous living areas, a primary suite, and plenty of opportunity to make the space your own. Outside, the pole barn adds valuable storage and workspace for tools, toys, equipment, hobbies, or small-business needs. With public water, septic, and a practical location in the Merrill community, this home is a great fit for buyers wanting space, utility, and value. Whether you’re looking for your next home, extra storage, or a property with room to spread out, 22359 Gratiot Rd is one you’ll want to see.

22359 Gratiot Road, Merrill

Listing Courtesy of Etiquette Times Realty, Office Phone:

$155,000

ACTIVE Status ⋅ 5 Beds ⋅ 3 Baths ⋅ 50201351 MLS

large 5 bed 3 bath home with basement and attached garage large family room with fireplace home needs some work ideal for a REhab loan to make it a home of yours.

3861 Jim Drive, Bridgeport

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

$95,000

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 60961415 MLS

Historic Charm Meets Modern Potential in West Saginaw. Welcome to 113 S Mason St, a classic 2-story home built in 1914, offering 1,540 sq. ft. of above-grade living space. This residence blends the character of a historic build with functional space for a growing family or investor. Boasting 3 generous bedrooms (and extra space for rooms in the basement) and 2 full bathrooms (one on each level), this home offers a rare layout for this era. Features include a partially finished basement (approx. 440 sq. ft.) ideal for an office or gym. Situated just blocks from the scenic Saginaw River and the historic Court St district, you are minutes away from local dining, shopping, and the Saginaw County Courthouse. Whether you are looking for a primary residence or a rental portfolio addition, this property is a must-see. The compact lot ensures low-maintenance yard work while keeping you close to the pulse of the city.

113 S Mason Street, Saginaw

Listing Courtesy of Realtyflo Inc, Office Phone: 313-466-7253

$489,600

ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 50194718 MLS

Exceptional new construction by the highly sought-after Cobblestone Homes. This 1,809 sq. ft., 3-bedroom, 2.5-bath craftsman home showcases modern design and thoughtful details. The main floor features a stunning kitchen with dual-color cabinetry and quartz countertops, which opens to a living room highlighted by two handcrafted oak beams and a beautiful fireplace. A great rear covered porch extends your living space outdoors. Upstairs, all three bedrooms include walk-in closets, and you'll find the convenience of a second-floor laundry room. The exterior makes a statement with its bold stone columns, castle stone siding, and striking Andersen black-framed windows. Built beyond Energy Star standards with Cobblestone's premium insulation package, this home offers superior comfort and efficiency.

8657 Foxtail Trail Street, Freeland

Listing Courtesy of Cobblestone Realty LLC, Office Phone: 989-692-0210

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.