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

$309,900
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216613 MLS
Stunning on Schroeder Rd!!!! Attention HUNTERS!! Take a Look at this Peaceful Country Living on 11.51 Wooded Acres!!! Step into this Well-maintained 3 bedroom, 2 full Bath Ranch. Spacious Family Room, complete with two versatile bonus rooms that are perfect for Home Office, Sitting Room, Hobby space or Playroom. A Full handicap-accessible bathroom adds convenience and functionality. The heart of the Home is the Beautifully designed kitchen featuring Oak Cabinetry, decorative back-splash, slow close cabinets and drawers, abundant storage, 2 lazy susans, wrap around entertainment area with beveled glass accents and Newer Kenmore Appliances. Step through sliding door onto the large back deck and enjoy peaceful views of woods and LOTS of wildlife. Rich Hickory Hardwood Flooring flows throughout, kitchen, living room and hallway. Living Room offers gorgeous fireplace. Spacious Primary Bathroom High-end Cabinetry, double sinks, luxury vinyl , hidden laundry storage, and fully tiled tub/shower combo. Spacious Basement offers B-dry, Pool Table, and endless possibilities. Outside you will find 30x40 pole barn with electrical & 220 for welding, cement floor, metal roof, plus 20x20 storage shed ideal for unlimited possibilities. Updates: Newer Metal Roof on house and pole barn, Furnace, Windows in bedrooms & Living room, Electrical Box, rewired, septic tank, Generator, Hot Water Heater, Gutters and Guards. Outside entrance to basement. You MUST SEE THIS GEM!!!!! Motivated Seller.

17950 Schroeder Road, Brant

Listing Courtesy of Real Estate One Great Lakes Bay, Office Phone: 989-607-2100
$215,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216611 MLS
Welcome home to this charming full-brick ranch situated on an oversized lot in a convenient location close to major freeways and just minutes from Saginaw Valley State University. This well-maintained home features a spacious, updated kitchen with plenty of cabinetry and all appliances included, making it move-in ready from day one. Inside, you'll find three generously sized bedrooms and an inviting living room with a cozy fireplace insert for those chilly winter evenings. Recent improvements include newer paint, carpeting, light fixtures, and gutters, giving the home a fresh, updated feel. Step outside to enjoy the fenced backyard, perfect for pets, play, or entertaining. A standout feature is the insulated bonus garage, complete with a workbench and plenty of room to store outdoor equipment, recreational toys, or create the ultimate workshop. With its spacious lot, thoughtful updates, and excellent location, this home offers comfort, functionality, and exceptional value. Schedule your showing today!

1685 Liberty Road, Saginaw

Listing Courtesy of MI Skye Realty LLC, Office Phone: 989-455-8889
$139,900
ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50216584 MLS
Welcome to 7 Southlawn Ct.!!! If you're looking for a home that's already been updated, this one is a must-see! This charming home has been refreshed from top to bottom, so you can move in and start enjoying it right away. The brand new kitchen features granite countertops, stainless steel appliances, and a clean, classic look you'll love. The bathroom has also been completely updated, and you'll find new carpet and vinyl plank flooring throughout along with fresh paint inside and out, giving the home a bright and fresh feel. You'll also have peace of mind knowing the plumbing and electrical have been updated with a brand-new breaker box and both the house and garage have new metal roofs for years of durability. The basement has also been partially waterproofed, adding even more value and confidence. Need garage space? The detached 2-car garage , built in 2013, offers plenty of room for vehicles, storage, hobbies, or a workshop. With all the big-ticket updates already taken care of, all that's left to do is move in and make it your own. Come see everything 7 Southlawn Ct. has to offer!!! Agent owned

7 Southlawn Court, Saginaw

Listing Courtesy of NextHome Greater Tri-cities, Office Phone: 989-759-9606
$314,900
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 50216558 MLS
Welcome to this spacious 2-story condo in Saginaw Township offering 3 bedrooms and 2.5 baths in a desirable location on a cul-de-sac near Heritage High School. The main-floor primary suite features a walk-in closet and a private bath with a double vanity, walk-in shower, and relaxing Jacuzzi tub. The kitchen is designed for both everyday living and entertaining with stainless steel appliances, a large center island with counter seating, and an open layout flowing into the dining area. A sliding glass door leads to a private deck overlooking the backyard, while first-floor laundry adds everyday convenience. The living room boasts vaulted ceilings and a cozy gas fireplace, creating a bright and inviting space with abundant natural light. Upstairs, you'll find two additional bedrooms, a full bath, and a spacious bonus room that offers endless possibilities as a home office, family room, playroom, or guest space. A spacious 2-car attached garage provides plenty of room for parking, extra storage, and all of your seasonal or recreational belongings. Combining comfort, functionality, and a fantastic location in a well-kept community, this easy-living condo is ready for its next owner.

8 Thornapple Court, Saginaw

Listing Courtesy of Berkshire Hathaway HomeServices, Office Phone: 989-790-9292
$285,000
ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50216555 MLS
Location! Location! Location! Beautiful home inside & Out!! This well maintained 3 bedroom home with an abundance of storage space inside & out is conveniently located within 2 miles of Chesaning! Hickory cabinets and stainless steel appliances in kitchen, Hardwood floors throughout Living room, Dining area and bedrooms. Gorgeous property with mature trees, 2 outbuildings. 40x32 pole barn features a finished area with heat & sink for gatherings/rec room. 32x24 barn perfect for storage or animals - electric, water, & loft. 1 Year Home Warranty!

11904 Peet Road, Chesaning

Listing Courtesy of RE/MAX New Image, Office Phone: 989-790-0890
$250,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61015344 MLS
Well-maintained 3 bedroom, 2 full baths Ranch in an established Saginaw Township neighborhood! The home offers a great layout with multiple living spaces, including a spacious family room with fireplace, bright front living room, and an eat-in kitchen with plenty of cabinetry. Main-floor laundry, an attached 2-car garage, and an unfinished basement provide plenty of additional convenience, storage and usable space. Outside, you'll find mature landscaping, a covered front porch and a nicely sized backyard with established trees and plenty of shade. Great Saginaw Township location close to shopping, restaurants, schools, parks and everyday amenities. A clean, well-cared-for home that has been maintained over the years and is ready for its next owner.

1317 Cranbrook Drive, Saginaw

Listing Courtesy of EXP Realty Main, Office Phone: 888-501-7085
$214,999
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216440 MLS
A Keeper on Kochville! Welcome home to this well-maintained 3-bedroom, 2-full-bath ranch nestled in a desirable area and located within the highly sought-after Freeland School District. Enjoy peaceful mornings and relaxing evenings overlooking your private backyard with beautiful views of a picturesque horse farm. With a spacious layout, this home has been lovingly cared for and is ready for its next owner to make it their own. A new roof installed last year provides added peace of mind. Don’t miss this incredible opportunity to turn this charming ranch into your dream home!

8908 Kochville Road, Saginaw

Listing Courtesy of Modern Realty, Office Phone: 989-486-9770
$239,900
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216412 MLS
Welcome to this beautifully updated 3-bedroom, 2-bath home in the heart of Hemlock! Featuring a versatile bonus room that’s perfect for a home office, playroom, or guest space, this property offers the flexibility today’s buyers are looking for. Recent updates include stylish new flooring, fresh paint throughout, and two completely remodeled bathrooms, making this home truly move-in ready. In addition to the attached 1-car garage, you’ll love the oversized 2-car detached garage—ideal for extra vehicles, hobbies, storage, or a workshop. Situated on over 1.4 acres, this property provides the perfect blend of privacy and open space, with plenty of room for outdoor entertaining, gardening, recreation, or simply enjoying the peaceful surroundings. If you’ve been searching for a home that combines modern updates with country charm, this is one you won’t want to miss!

14460 Collier Road, Hemlock

Listing Courtesy of JPAR - Great Lakes Bay Region, Office Phone: 989-349-3039
$189,900
ACTIVE Status ⋅ 5 Beds ⋅ 2 Baths ⋅ 50216343 MLS
Come see this very unique property in Bridgeport Township! This could be a 5 bedroom ranch with over 2000sq ft of finished living space, or a 3 bedroom home with a large in-law suite. The front part of the home contains 1152 sq ft and has 3 bedrooms and 1 full bath with a full open basement. The back part of the home contains 912 sq ft and has 2 bedrooms, a full kitchen, and 1 full bath. The whole entire home has been updated with a new roof, new windows, updated flooring throughout, and fully updated bathrooms and kitchens. An insulated walkway seperates both sides for convenience in a rental situation. Outside you will find a very spacious 1.49 acre lot with a detached 16x20 garage, and 3 additional outbuildings for extra storage. Rent out one side and live in the other or both! The choice is yours. Call today!

4050 Old King Road, Bridgeport

Listing Courtesy of RE/MAX Results, Office Phone: 989-686-3400
$265,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 61015244 MLS
Modern farmhouse charm meets everyday comfort in this beautifully updated 1,800 sq ft, 3 bedroom, 2 bath brick ranch. From the welcoming covered front porch with wood beams and whitewashed brick to the thoughtfully designed interior, every space feels warm, inviting, and effortlessly livable. Cozy living room features newer carpet, a charming original built-in, and a shiplap fireplace that creates the perfect focal point. Designed for both everyday living and entertaining, the kitchen overlooks the private, fully fenced backyard and screened porch while offering luxury vinyl plank flooring, abundant cabinetry, faux quartz countertops, and a classic farmhouse sink that adds both style and function. Just beyond, a spacious laundry room and butler's pantry with an additional sink provide exceptional storage and workspace before leading to a versatile flex room off the garage--ideal as a mudroom, home office, hobby space, or playroom. The private primary suite includes its own en suite bath, while the second full bathroom has been thoughtfully updated with a vessel sink vanity and luxury vinyl plank flooring. Downstairs, the expansive unfinished basement is a blank canvas ready for a future recreation room, home gym, workshop, or additional living space, with plumbing available for a potential third bathroom to further enhance the home's value. An attached two-car garage, underground sprinkler system, and all included appliances add everyday convenience, while nature enthusiasts will love being just one mile from Price Nature Preserve, where miles of scenic trails and outdoor recreation are only minutes away.

5330 Sheridan Road, Saginaw

Listing Courtesy of Knockout Real Estate, Office Phone: 989-652-6300
$215,000
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216296 MLS
Well cared for all brick ranch in the heart of Saginaw Township. Pride of ownership shows thru-out this wonderful 3 bedroom, 1 and 1/2 bath home. The home has a very large eat in kitchen with a huge Pantry. Beautiful family room with wood burning fireplace and original hardwood floors, which are also in all 3 bedrooms and in the hallway. The First Floor Laundry Room could also easily have an added half bath as all the plumbing is there for it. There is a Heated 4 season sun-porch which opens up to a wonderful deck with a covered Pergola for those sunny afternoons. The large deck then goes into the fenced in backyard with plenty of shade, a garden area and 2 storage sheds for everything that doesn't fit in the oversized Heated 2 and 1/2 garage. Full basement with tons of storage, and a workshop. Also, lawn has a sprinkler system.

4860 Indian Trail Road, Saginaw

Listing Courtesy of Wilson Realty, Office Phone: 989-793-5650
$219,900
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50216286 MLS
Immediate possession is yours when you purchase this 3 bedroom - 2 bath, full basement, ranch style home in Saginaw Twp! Large updated kitchen, spacious living room with built-in cabinets, brand new roof and gutters (July 2026)!! Attached 28 x 20 garage. 20x10 patio overlooking fenced back yard. 16 x 8 storage shed for lawn equipment. One Year Home Warranty included!!

4200 S Wayside Drive, Saginaw

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