Saginaw Homes with FHA Financial terms

Saginaw Homes with FHA Financial terms

Welcome to Saginaw County, Michigan – a hidden gem in the heart of the Great Lakes region! Known for its rich history, vibrant culture, and diverse recreational opportunities, Saginaw offers a unique blend of urban amenities and natural beauty. Nestled along the banks of the Saginaw River, the county is home to charming neighborhoods, picturesque parks, and a thriving arts scene. Whether you’re a first-time homebuyer or looking to invest in a property, Saginaw County presents an array of options that cater to all lifestyles.

One of the standout features of the Saginaw housing market is the availability of homes that qualify for FHA financing. The Federal Housing Administration (FHA) loan program is designed to make homeownership more accessible, especially for those who may have lower credit scores or limited savings for a down payment. With FHA loans, buyers can secure financing with as little as 3.5% down, making it an attractive option for many families and individuals in Saginaw.

Imagine settling into a cozy bungalow in a friendly neighborhood or a modern townhouse close to local amenities. With FHA financing, the dream of homeownership is within reach! The diverse range of homes available in Saginaw County means you can find a property that fits your needs and budget, all while enjoying the community's warm hospitality and rich heritage.

Explore the possibilities in Saginaw County today, where your dream home awaits, and the charm of Michigan is just a doorstep away!

Newest Saginaw Homes with FHA Financial terms

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 50221620 MLS

Village of Chesaning- Got vintage cars or a mechanic in the house then this well cared for home is the right one for your family. Its move in ready and clean, clean, clean!! Appliances stay and you have immediate possession. 22X30 garage has extra storage room or could be a sunroom.

407 SW Wood St Road, Chesaning

Listing Courtesy of Main Street Real Estate, Office Phone:

ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 50221598 MLS

Take advantage of this well-maintained home located at the end of a quiet cul-de-sac on the Wooded West side of Freeland in Northway Manor sub on over half an acre! 3 bedrooms (with a 4th first floor office/library that could easily be converted into a bedroom), 2.5 bathrooms, first floor laundry and an extra deep tree-lined lot. Inside, the spacious living room has vaulted ceilings, large windows and a gas fireplace. The kitchen is highlighted by a plethora of cabinetry, stainless steel appliances, a sizable island and a corner pantry. Head upstairs to the primary bedroom with a private en-suite bath and rare find of an extra-large walk-in closet. Basement offers an egress window and rough-in plumbing to finish off per your liking. Yet the best part of this home . . . head on outside! The large deck provides views of the enormous backyard lined with beautiful pine trees and backs up to a field providing great privacy (see aerials). Or hang out on your front covered porch offering views of the friendly cul-de-sac. Finally, you can fit all your extra toys into the 3.5 car garage. Spots for 3 cars + an extended back workspace! Upgrades include: new carpeting (2026), roof (2022), furnace (2020), water heater (2021) and washer/dryer (2020).

12837 Whisper Ridge Drive, Freeland

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

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 ⋅ 3 Baths ⋅ 50221443 MLS

Welcome to peaceful country living in Thomas Township! This immaculate ranch home sits on almost 4 beautiful acres and offers a wonderful combination of comfort, updates, privacy, and functionality. With 3 bedrooms 2.5 bathrooms, including a full partially finished basement with an egress window and half bath, there is plenty of room to spread out. The home has been lovingly maintained and features numerous updates, including a newer furnace, brand-new central air conditioning, fresh paint throughout, double-pane windows, and a brand-new whole-house Generac generator. The beautifully landscaped grounds are sure to impress, with a fenced backyard, a separate fenced garden, and gorgeous views overlooking the neighboring farm field. Enjoy peaceful mornings and relaxing evenings while taking in the tranquil country setting. Garage space is abundant, with a large 2.5-car attached garage plus an additional 1.5-car detached garage out back—perfect for toys, lawn equipment, hobbies, or extra storage. Located in the Thomas Township area with Hemlock schools, and with Freeland schools just across the street, this property offers additional school options as well. This is a rare opportunity to enjoy the peace and privacy of nearly 4 acres while still being conveniently located. With so many updates, beautiful landscaping, incredible garage space, and immediate possession, this immaculate country ranch is truly a must-see!

11847 Dice Road, Freeland

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

ACTIVE Status ⋅ 4 Beds ⋅ 4 Baths ⋅ 61028507 MLS

Some homes get updated. This one got a second life. Originally built in 1885 as the historic Bunjes one room schoolhouse, this Frankenmuth standout has been completely reimagined into a home that blends nearly 140 years of history with the comfort, style and functionality buyers want today. Even better, downtown Frankenmuth is just a short stroll away, putting shops, restaurants, festivals and everything Little Bavaria has to offer practically at your doorstep. The curb appeal makes the first statement with meticulous landscaping, a charming covered porch and a setting that immediately feels special. Step inside and the character continues, paired with updated flooring, fresh decor, modern fixtures and a layout designed for real everyday living. The spacious main floor living room centers around a gas fireplace, while the first floor primary suite brings plenty of comfort with dual sinks, a soaking tub and generous walk in closet. Then there is the kitchen. Quartz countertops, a butcher block island, farmhouse sink, stainless steel appliances and hexagon tile backsplash come together in a space that feels every bit as memorable as the home itself. First floor laundry and abundant storage make the practical side just as impressive. Upstairs are three additional bedrooms, each with its own walk in closet, plus a full bathroom and flex nook that works perfectly as a home office, homework station or reading space. The finished basement adds even more room to spread out with another office area, a large gathering room and half bath. And when Michigan summer arrives, the backyard is ready. Grill on the composite deck, cool off in the above ground pool and settle in for evenings outside with friends and family. There are plenty of beautiful homes in Frankenmuth. There is only one that started its story as the Bunjes schoolhouse in 1885. History gave this home its character. The transformation gave it its next chapter. Now it is ready for yours.

140 W Jefferson Street, Frankenmuth

Listing Courtesy of Knockout Real Estate, Office Phone: 989-652-6300

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

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