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

$289,000
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
$159,900
ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 50221063 MLS
Motivated Seller 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
$219,900
ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50220912 MLS
Remodeled beauty of a home! This one has been completely updated from the roof to the furnace, central air to the kitchen, windows, flooring and everything in between. The hardwood floors bring the warmth and charm of days of old. When winter arrives, sit by the fireplace and put your toes up. If you need more space or love to have a garage, then this one is built to please! The large 3 car garage offers a 10' overhead door along with 2 smaller overhead doors with garage door openers. It is insulated and partially finished out with OSB walls. There is also an unfinished bonus room upstairs with very easy stairway accesses to it from inside and out. This gem is conveniently located near I-75 for easy access yet is in a wooded setting just off of the beaten path. Do not wait to make it yours.

3934 Grotto Road, Bridgeport

Listing Courtesy of BOMIC Real Estate, Office Phone: 989-624-4444
$279,900
ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50220909 MLS
One owner ranch home with over 7.2 acres! This one has a lot of bells and whistles. There is a private, low maintenance deck on the back as well as a sunroom overlooking your acreage. Wildlife galore for nature lovers and hunters alike. The home also offers a 1/2 finished basement, hardwood flooring under the main home plus a large living room addition off the front. There are plenty of options for storing the toys too with a pole barn, attached garage and another large shed out back. Very nicely located between Birch Run and Frankenmuth in a desirable area. Make that call today, properties like this, with land are not readily available!

9300 Canada Road, Birch Run

Listing Courtesy of BOMIC Real Estate, Office Phone: 989-624-4444
$289,900
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50220109 MLS
Welcome home to this beautifully updated 3 bedroom ranch in the desirable Freeland School District! Situated on just under a half acre, this home offers a wonderful country setting while remaining conveniently close to everyday amenities. The bright living room features a natural fireplace and flows into the brand-new kitchen with a cozy breakfast nook, while the opposite side opens to a spacious dining room, creating a great layout for everyday living and entertaining. Three nicely sized bedrooms include a primary suite with its own full updated bath, while the hallway full bath has also been beautifully updated. Additional improvements include new flooring, new windows, fresh paint throughout, and newer central air conditioning. The full basement provides plenty of additional storage and potential for future living space. A large, attached garage offers ample room for vehicles and storage, while the impressive barn in the backyard provides even more space for hobbies, equipment, or storage. Enjoy the peaceful country surroundings, natural gas, generous lot, and convenient location—this one is ready to welcome you home! Call for your showing today!

7130 Pierce Road, Freeland

Listing Courtesy of Real Estate One Great Lakes Bay, Office Phone: 989-607-2100
$300,000
ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 50219982 MLS
First time available and an amazing opportunity! This home sits on just shy of 4 acres (treed and lots of wildlife!) AND includes a 4 car garage PERFECT for all of the car enthusiasts or those looking for extra storage space. Home was built in 1993 and has had all of the major updates completed within the last 10 years including the roof and furnace. Inside you will find 2 bedrooms (including a private primary suite), 2 full bathrooms, and a flex space that could be a third bedroom, den, office or formal dining room. There is also a large deck overlooking the private yard with access from the living room or primary bedroom. If you are looking for a quality built home that has privacy all while in a convenient location, THIS is it! Call today for your private showing.

1545 N Graham Road, Freeland

Listing Courtesy of Century 21 Signature Realty (Freeland), Office Phone: 989-921-7000
$295,000
ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 50216959 MLS
Beautiful Country Setting! Three-bedroom, 2.5 bath ranch on 1.64 acre with pole barn, 2nd garage, and attached 2 car garage! Plus, 3-seasons room overlooking the countryside! Hardwood floors, two fireplaces, beamed ceiling, and many built-ins add all the charm. Convenient main floor laundry. Finished walk-out lower level hosts a kitchenette, family room, rec. room, and a bathroom. New paint throughout. Newer LG SS appliances! Pole barn with concrete floor, electricity, and lots of windows! Great workshop space!

9800 Ferden Road, Chesaning

Listing Courtesy of The Home Office Realty LLC, Office Phone: 989-725-5246
$249,900
ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 50218797 MLS
Welcome to this inviting Kochville Township home, situated on a spacious .80-acre lot in the Bay City School District. New updated roofs in 2026 on the home, 24x30 heated outbuilding, and storage shed. Inside, you'll find a spacious dining room with hardwood floors, a fireplace, and bay window, along with a comfortable living room, generously sized bedrooms, first-floor laundry, and a heated enclosed sunroom offering flexible additional space. Outside features include an attached 2-car garage, fenced area, and plenty of room to enjoy the outdoors. A great property with plenty of space, storage, and versatility!

4925 W Freeland Rd Road, Saginaw

Listing Courtesy of Berkshire Hathaway HomeServices, Bay City, Office Phone: 989-892-8888
$170,000
ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 70552370 MLS
Welcome to this beautifully updated 4-bedroom, 1.5-bath home in Saint Charles! Featuring an inviting open-concept layout, this home offers a blend of modern updates and comfortable living spaces. Hardwood and laminate flooring flow throughout, creating a warm and cohesive feel. The main level includes a spacious bedroom, full bath, and convenient laundry room. Upstairs, you'll find three additional bedrooms, including a large primary bedroom and a versatile office/craft room, along with a convenient half bath. A large basement provides plenty of storage space, while the detached one-car garage offers additional parking and storage. Outside, enjoy a large deck overlooking the manageable rear yard that's perfect for relaxing or entertaining. At the front of the home, enjoy a large heated front porch perfect for those chilly Michigan winters. A great opportunity to own an updated home with flexible living space in Saint Charles!

208 Jay Street, Saint Charles

Listing Courtesy of Chuck Jaqua, REALTOR, Office Phone: 269-381-7653
$194,900
ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50218281 MLS
One owner home built with quality. The first thing you will notice is pride of ownership. Located in a quiet neighborhood, featuring 3 spacious bedrooms, 1 bath, all new appliances, newer windows, (including basement), remodeled bath with Plantation shutters, new porch, all new exterior doors, Generac generator, battery back up sump pump, BDry for peace of mind. Cozy Living room with gorgeous stone wall (gas & natural) fireplace leads to relaxing sunroom, which leads to an outdoor covered lanai overlooking the perfect treed birder's backyard, & friendly long term neighbors. RV parking adjoins 1.5 car garage, tons of storage. Downsize without downsizing your living space with this home, so many places to relax & entertain. It will be hard to find your perfect spot to sit! For more detail, call for listing packet.

3942 Waltmar Drive, Bridgeport

Listing Courtesy of Remax Prime Properties, Office Phone: 989-652-7653
$194,900
ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 50218282 MLS
One owner home built with quality. The first thing you will notice is pride of ownership. Located in a quiet neighborhood, featuring 3 spacious bedrooms, 1 bath, all new appliances, newer windows, (including basement), remodeled bath with Plantation shutters, new porch, all new exterior doors, Generac generator, battery back up sump pump, BDry for peace of mind. Cozy Living room with gorgeous stone wall (gas & natural) fireplace leads to relaxing sunroom, which leads to an outdoor covered lanai overlooking the perfect treed birder's backyard, & friendly long term neighbors. RV parking adjoins 1.5 car garage, tons of storage. Downsize without downsizing your living space with this home, so many places to relax & entertain. It will be hard to find your perfect spot to sit! For more detail, call for listing packet.

3942 Waltmar Drive, Bridgeport

Listing Courtesy of REMAX Prime Properties, Office Phone: 989-652-7653
$229,900
ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 50218253 MLS
Welcome home to this inviting country property in desirable Birch Run School district. Offering 3 bedrooms and 1.5 baths, this home features a bright, open floor plan with fresh paint and some new flooring. The first floor primary bedroom adds convenience and easy living, while the cozy wood burning stove creates the perfect gathering spot on chilly evenings. Situated on a corner lot, the property offers plenty of space to enjoy the country setting. The heated garage with bar area is ideal for entertaining, hobbies or extra recreation space. All appliances stay, making this home truly move-in ready. With immediate occupancy, you can settle in and start enjoying everything this charming property has to offer. Don't miss your opportunity to own a comfortable, country home in Birch Run!

5959 Busch Road, Birch Run

Listing Courtesy of New Beginnings, Office Phone: 989-906-4700
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