Saginaw Homes with USDA Loan Financial terms

Saginaw Homes with USDA Loan Financial terms

Welcome to Saginaw County, Michigan, a hidden gem nestled in the heart of the Great Lakes region. Known for its rich history, vibrant culture, and beautiful landscapes, Saginaw offers a unique blend of urban and rural living. With a population of around 190,000 residents, this county boasts a welcoming community spirit, making it an ideal place for families, young professionals, and retirees alike.

Saginaw is renowned for its stunning parks, including the expansive Ojibway Island and the picturesque Saginaw Valley Rail Trail, perfect for outdoor enthusiasts and nature lovers. The county is also home to a thriving arts scene, with venues like the Temple Theatre hosting concerts and performances throughout the year. With a variety of shopping, dining, and entertainment options, Saginaw has something for everyone.

For those looking to purchase a home in this charming county, the USDA loan program offers a fantastic opportunity. With financial terms designed to make homeownership more accessible, USDA loans are perfect for eligible buyers seeking properties in designated rural areas. These loans often require no down payment and feature competitive interest rates, making it easier for families to invest in their dream homes. In Saginaw County, you’ll find a range of affordable housing options, from cozy bungalows to spacious family homes, all within close proximity to the amenities and attractions that make this area so appealing.

Explore the warmth and charm of Saginaw County, where your dream home awaits, and take advantage of the incredible opportunities that the USDA loan program has to offer!

Newest Saginaw Homes with USDA Loan Financial terms

$159,900
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216151 MLS
Updated three bedroom ranch home sitting on almost half an acre. Privacy with only 4 homes on this road. Living room with a natural fireplace. Spacious eat-in kitchen. Off the kitchen is the utility room with half bath. So, when you come in from the attached garage, you can wash up before entering the kitchen. Doorwall from the kitchen to the deck that overlooks the natural backyard.

1921 Ann Street, Burt

Listing Courtesy of Century 21 Signature Realty, Office Phone: 989-921-7000
$205,000
ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 50216145 MLS
Open House Sunday August 1st 12:30 to 2 PM This charming 4-bedroom, 1.5-bath home in the heart of St. Charles Village is just minutes from schools, parks, shops, and downtown. Recently refreshed with new flooring, fresh paint, a remodeled kitchen, and updated bathrooms, it offers two main-floor bedrooms, convenient main-floor laundry, and a mudroom. Spacious bedrooms throughout, a sunroom off the primary suite, and plenty of living space add to its appeal. Enjoy the nice side yard and detached garage. Move-in ready with a great location and a 1-year home warranty included! Added a couple of AI-generated pictures for a virtual view with furniture included.

129 W Walnut Street, Saint Charles

Listing Courtesy of Re/Max of Owosso, Office Phone: 989-725-8119
$274,900
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216142 MLS
Enjoy the peace and privacy of country living at 7083 S Orr Rd. This well-maintained 3-bedroom, 2-bath home sits on nearly 3 beautiful acres, offering plenty of room to relax, entertain, garden, or simply enjoy the outdoors. Inside, you'll find both a spacious living room and a separate family room featuring a cozy fireplace, providing flexible living space for gatherings or quiet evenings at home. A full basement offers abundant storage and the opportunity for additional finished living space in the future. Just off the back of the home, the screened-in porch is the perfect spot to enjoy your morning coffee while overlooking the peaceful backyard. Major updates include a newer furnace and central air conditioning, giving the next owner confidence in the home's mechanical systems. The property is serviced by a private well and septic system, allowing you to enjoy country living without monthly water and sewer bills. The expansive yard offers endless possibilities, whether you're looking for room for pets, outdoor activities, a large garden, or simply the privacy that comes with nearly three acres. Homes with this much land, a well-cared-for interior, and a quiet setting don't come along often. As an added bonus, this property may qualify for $0 down financing for eligible buyers. Schedule your private showing today and experience everything this beautiful country property has to offer.

7083 S Orr Road, Saint Charles

Listing Courtesy of The Brand Real Estate, Office Phone:

$169,900
ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50216140 MLS
Welcome home to over 4 beautiful acres in Spalding Township! This move-in ready ranch offers the perfect blend of peaceful country living and everyday convenience. Freshly painted throughout with a newer roof. 1275 Ruby Ann has central air, and an updated bathroom, this home is ready for its new owners. It features three bedrooms, one full bath, and an attached 1.5 car garage. Outside, you’ll love the impressive 30’ x 40’ pole barn with electricity—ideal for hobbies, storage, equipment, or a workshop. The front picture window has a fogged seal and is reflected in the price, making this an excellent opportunity to add your own finishing touch while enjoying all this property has to offer. Priced at just $169,900, this is your chance to own a beautiful country property with room to roam!

1275 Ruby Ann Drive, Saginaw

Listing Courtesy of Real Estate One Great Lakes Bay, Office Phone: 989-607-2100
$324,900
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216082 MLS
Beautifully restored, thoughtfully updated—Chip and Joanna Gaines would drool over every custom detail! Don’t let the age of this home fool you: updated plumbing and electrical pair with the solid bones and irreplaceable character. In many ways, it’s better than a new build—full of personality, beautifully upgraded and anything but cookie-cutter. This meticulously maintained home sits on 1.5 peaceful acres with no close neighbors. Surrounded by open farmland, the rural views look like they came straight out of a painting at Hobby Lobby. Inside, original character blends beautifully with fresh, updated design. The showstopping custom kitchen features full-slab, live-edge wood countertops, abundant cabinetry, a farmhouse sink and an incredible 4-by-9-foot quartz island. An eat-up bar is perfect for morning coffee, quick meals or catching up at the end of the day. The living room’s one-of-a-kind metal ceiling delivers unforgettable personality, while the custom entertaining bar with granite countertops creates a space made for gathering. French doors open to the back deck and outdoor living space. Both bathrooms have been beautifully updated with quartz surfaces and a fresh, modern touch. The main floor offers laundry, a full bath with dual sinks, and an office with gorgeous built-ins that could potentially serve as a fourth bedroom—creating an option for main-floor sleeping, bathing, and laundry. Plush carpeting adds warmth and comfort to the bedrooms, while durable luxury vinyl flooring flows throughout most of the remaining home, with tile at the back entrance. Upstairs, the primary bedroom feels like a private retreat with its own fireplace and sliding doors opening to a balcony overlooking the fields. The backyard is an at-home getaway! Enjoy the heated above-ground pool, thoughtfully surrounded by decking that gives it an in-ground feel and helps extend the swimming season beyond Michigan’s hottest summer days. Let the kids play on the playset, host a BBQ on the back deck, or swing near the fire with your favorite beverage. Apple, peach, pear, and cherry trees, along with raspberry bushes, add even more sweetness to country living. The oversized 23-by-37-foot garage provides plenty of parking and storage, plus space for projects or hobbies. Located in the Hemlock School District and convenient to Hemlock-area employers and the growing semiconductor industry. The home is served by natural gas and features a well installed in 2011, a septic system installed in 2012, a furnace approximately seven years old, and a roof with plenty of useful life remaining. If you’ve been searching for a beautifully restored country home with acreage, privacy, flexible main-floor living, a truly custom kitchen, an oversized garage and a backyard made for memory-making—this is the one!

1210 N Steel Road, Merrill

Listing Courtesy of EXP Realty, Office Phone: 888-501-7085
$450,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50215572 MLS
Over a half-acre on a quiet court in Frankenmuth, just a short walk to downtown. Step inside to a fully updated home with an open concept main level featuring a stunning kitchen plus a finished walkout lower level with a cozy fireplace. Need extra space? Enjoy an additional finished basement with a second kitchen, perfect for canning, or as a bar area for entertaining. The rare 3.5 car garage with a heated 12x24 workshop is a true bonus. A hard-to-find property in an unbeatable location.

2 Mary Lane Court, Frankenmuth

Listing Courtesy of RE/MAX New Image, Office Phone: 989-790-0890
$164,900
ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 50215480 MLS
OPEN HOUSE: SATURDAY., JULY 25, 2026: Noon - 1 PM. Move right into this beautifully maintained 4-bedroom, 1.5-bath home offering 1,620 square feet of comfortable living space in the heart of St. Charles. With first-floor bedrooms and convenient first-floor laundry, this home offers a functional layout that's perfect for a variety of lifestyles. The current owners have invested over $36,000 in recent improvements, including a new forced-air furnace and central air conditioning (2023), a 10x20 outbuilding, crushed asphalt driveway with grading, updated kitchen featuring new flooring, backsplash, painted cabinetry, sink, faucet, and trim, new water heater, bathroom vanity, sump pump, dishwasher, and charming white porch fencing. Step outside and enjoy a yard surrounded by beautiful mature maple and willow trees. The backyard is bordered by an undeveloped road, providing added privacy with no homes directly behind you while also creating a wonderful walking path to enjoy year-round. Located within walking distance of downtown St. Charles, you'll love having restaurants, shops, churches, and local bars just minutes away. Plus, you're only a short drive from Saginaw, Chesaning, and Owosso, making commuting and everyday conveniences a breeze. This is a wonderful opportunity to own an updated home in a desirable location with privacy, mature landscaping, and countless recent improvements already completed!

518 W Belle Avenue, Saint Charles

Listing Courtesy of REMAX Tri County, Office Phone: 989-323-2161
$159,900
ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 50215475 MLS
If you’ve been dreaming of peaceful country living with modern updates, this charming ranch is ready to welcome you home. Beautifully updated throughout with tasteful, neutral décor, this move-in-ready home offers comfortable living and a warm, inviting feel. Step outside to enjoy the nearly half-acre fenced yard, complete with a spacious deck that’s perfect for entertaining, relaxing, or enjoying quiet evenings outdoors. The garage features a dedicated workshop and plenty of additional storage, making it ideal for hobbies, projects, or extra space. Enjoy the best of country living while still being within easy reach of everyday conveniences. Priced at $159,900. Call today for your showing.

1135 W Moore Road, Saginaw

Listing Courtesy of Real Estate One Great Lakes Bay, Office Phone: 989-607-2100
$279,900
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 50215361 MLS
Welcome to this spacious two-story home nestled at the back of the desirable Winchester Park subdivision in the Swan Valley School District! Offering a generous floor plan, the main level features a large living room, formal dining room, updated kitchen with abundant cabinetry, and a convenient breakfast bar that opens to the inviting family room with a cozy fireplace and built-in shelving. A half bath and pantry complete the main floor. Both the kitchen and family room provide access to the STUNNING brick and stone patio and beautifully landscaped backyard, creating the perfect outdoor oasis with a built-in fire pit, built-in seating, mature landscaping, fenced yard, and a large storage shed. Upstairs you'll find three generously sized bedrooms, a full bath with direct access to the primary bedroom, and ample storage throughout. The finished basement adds valuable living space with a recreation area, hobby room or home office, full bath, and laundry area. The attached garage includes a workshop, and the attractive stone paver driveway adds to the home's curb appeal. Priced to reflect the cosmetic updates needed, this home offers an excellent opportunity to add your personal touches while enjoying a fantastic neighborhood, spacious layout, and exceptional outdoor living. Schedule your private showing today and make this beautiful property your own!

7560 S Laurie Lane, Saginaw

Listing Courtesy of Real Estate One Great Lakes Bay, Office Phone: 989-607-2100
$449,000
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 50215273 MLS
A one-of-a-kind property situated on 1.1 acres! This well-maintained home offers 3 bedrooms, 3 full baths, and a spacious family room featuring a cozy fireplace. The home is in excellent condition and includes a large covered patio overlooking a beautiful garden area, perfect for relaxing or entertaining. Additional features include a partially finished basement and an impressive 30' x 30' bonus room that could serve as a fourth bedroom, home office, studio, or recreation space. A detached spare garage provides the perfect place to store a lawn mower, golf cart, ATV, or other outdoor equipment. Conveniently located between M-15 and M-46, this property provides easy access to surrounding cities while offering the space and privacy of country living. Don't miss this unique opportunity!

1090 N Block Road, Reese

Listing Courtesy of Century 21 Signature - Frankenmuth, Office Phone: 989-652-6080
$215,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50215182 MLS
Open house Sunday August 2 from 2 to 3:30 pm! This spacious ranch offers nearly 1800 square feet, 3 bedrooms, 1.5 baths, and a huge primary bedroom you'll love coming home to! The beautifully updated kitchen, newer roof, furnace, central air, water heater, and appliances mean you can spend less time worrying about maintenance and more time making it your own. Outside, enjoy a fenced backyard, mature trees, a 2.5-car attached garage, and a full basement with all the storage space you could need! Nestled on a quiet, tree-lined corner lot and conveniently located for an easy commute to Saginaw, Midland, Bay City, or Flint, this home is full of comfort, convenience, and potential!

4141 Triwood Road, Bridgeport

Listing Courtesy of Kori Shook & Associates, Office Phone: 989-720-4242
$220,000
ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50215106 MLS
OPEN HOUSE: AUGUST 2ND 2PM-3PM. Feast your eyes on this completely professionally renovated beauty. A cozy house with just enough space to make daily maintenance a breeze, you will fall in love with the modernization in this rural community. This house sits on a little over 1/2 an acre. It offers NEW everything from top to bottom! City water (new water lines!) w/ recently cleaned and inspected septic. New roof, gutters and soffit. The soffit has LED color changing lights. New drywall throughout. New commercial grade hot water tank. New up pump installed for washing machine. American-Amish made cabinetry in kitchen. Brand new kitchen with modern fixtures and LED color changing lights. Each light switch and fan has an individual remote with dimming control. New double pane; single hung windows. This house is energy efficient! Mastercraft energy efficient storm doors. Well insulated. Brand new furnace. New carpet and flooring throughout. Every light, fixture, and plug outlet is new. Dry! On a slab. Sealed foundation with band new sock tile and metal wrapped foundation. The 2.5 car garage gas a workshop, attic, and wood burner. Hope qualifies for the ZERO Down USDA Loan. Call us today for more information or to schedule a closing. Room sizes are estimated.

9095 East Road, Burt

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