Ludington Homes with FHA Listing Terms

Ludington Homes with FHA Listing Terms

Welcome to Ludington, Michigan, a charming lakeside gem nestled in Mason County. Known for its stunning natural beauty, this vibrant city is a perfect blend of small-town charm and outdoor adventure. With the picturesque shores of Lake Michigan as your backdrop, Ludington offers residents a wealth of recreational opportunities, from sun-soaked days at Ludington State Park to sunset strolls along the iconic Ludington Lighthouse.

Ludington is renowned for its rich history and welcoming community spirit. The downtown area boasts a delightful selection of shops, restaurants, and local art galleries, making it a hub for both residents and visitors alike. Whether you’re indulging in a scoop of local ice cream or exploring the historic architecture, there’s always something to discover in this delightful city.

For those looking to call Ludington home, the real estate market is thriving, with various options available, including homes that qualify for FHA listing terms. This means that first-time homebuyers and those seeking affordable housing can find their dream home in this idyllic setting without breaking the bank. FHA loans are designed to make homeownership more accessible, allowing for lower down payments and flexible credit requirements.

Imagine waking up to the sound of waves lapping at the shore and enjoying all that Ludington has to offer. With its stunning landscapes, vibrant community, and affordable housing options, Ludington is not just a place to live, but a place to thrive. Come explore the possibilities and find your perfect home in this enchanting city!

Newest Ludington Homes with FHA Listing Terms

3 Beds ⋅ 1 Baths ⋅ 26048430 MLS ⋅ ACTIVE Status

**Rare Ludington Find - Privacy, Space & an Incredible Garage!** Enjoy the best of Northern Michigan living with **Ludington State Park within walking distance**. This secluded 3-bedroom, 1-bath home includs **1,344 sq. ft. of living space on approximately one private acre**, providing plenty of room to relax, entertain, or enjoy the outdoors. A standout feature is the **huge garage with an RV port**, offering exceptional space for vehicles, boats, an RV, recreational toys, storage, or a workshop-take advantage of everything the Ludington area has to enjoy. Surrounded by privacy while still convenient to Ludington's beaches, parks, trails, downtown, shopping, dining, and recreation, this property presents a hard-to-find combination of **location, acreage, seclusion, a nd serious garage space**. Whether you're looking for a year-round home, Northern Michigan getaway, or a property with room for all your toys, **this one deserves a look.

7121 W Jagger Road, Ludington

2 Beds ⋅ 2 Baths ⋅ 26046355 MLS ⋅ ACTIVE BACKUP Status

Fabulious traditional ranch home with two bedrooms and 1.5 baths.. Close to school and a short walk downtown. Ample corner lot. One car garage and shed for storage. Sunroom between main house and garage provides a great location to have your morning coffee. Plenty of natural light could make a great kraft room.

419 N Washington Avenue, Ludington

3 Beds ⋅ 2 Baths ⋅ 26045999 MLS ⋅ ACTIVE CONTINGENT Status

AMAZING NORTHSIDE LUDINGTON LOCATION! Welcome to this charming, move-in-ready home in the heart of Ludington! Ideally located just a few short blocks from Stearns Park Beach, city park, downtown shopping, restaurants, and all that this vibrant community has to offer. Recently updated with fresh paint, new flooring, and updated appliances, this inviting home blends comfort and convenience. The covered front porch is a true highlight—perfect for enjoying your morning coffee, relaxing, and taking in the welcoming neighborhood atmosphere. Whether you're looking for a year-round residence, a weekend getaway, or a second home near the beach, this property offers an ideal location and plenty of charm. Don't miss this opportunity to own a piece of Northside Ludington! Immediate occupancy, enjoy living here soon!

404 W Court Street, Ludington

3 Beds ⋅ 2 Baths ⋅ 26044987 MLS ⋅ ACTIVE Status

This stately, low maintenance home is prime for continued renovations to add your personal touches and even MORE appeal! With very little yard to maintain, spend your time puttering on the back deck and in the garden area or whiling the day away on the covered front porch! This home is set up for easy, one floor living with large spaces, a main floor bedroom and full bath with new, low threshold shower as well as a jacuzzi tub, and a bright laundry room! Flexible spaces allow your desire and creativity to flourish - all centered around a kitchen that was made to entertain in! Upper level avails itself to a second living space with it's large open lounge area and two very large dedicated bedrooms. Many features have been attended to in the last 10-15 years including windows, roof, bathrooms, sealed basement with battery back up sump and dehumidifier. Off street parking is available on a concrete pad off the alley. Consider this for your Ludington HOME! Floorplans coming soon!

506 S Washington Avenue, Ludington

3 Beds ⋅ 3 Baths ⋅ 26043835 MLS ⋅ ACTIVE Status

Welcome to this beautifully maintained 3-bedroom, 3-bath ranch, offering a warm & inviting place to call home. With 1,239 sq.ft. of comfortable living space & a thoughtfully designed layout, this home has plenty of room to relax, gather, & enjoy everyday living. The large, open kitchen & dining area create a welcoming space for meals & entertaining. A slinding glass door leads to the outdoor patio, perfect for enjoying nature & relaxing outdoors. The primary suite is complemented by its own private bath. Two additional bedrooms & a full bath complete the main level. The ¾-finished basement provides even more living space, featuring a family & recreation room, a flexible home gym or office area. Also a craft room & plenty of storage. An underground sprinkler system adds convenience to the home's outdoor maintenance. Located a few miles from downtown Ludington, Stearns Beach, Cartier Park, Ludington State Park, Lake Michigan, & Hamlin Lake. This wonderful home is ready to welcome you! A egress window could easily be added to the room downstairs for a 4th bedroom.

7079 W Decker Road, Ludington

4 Beds ⋅ 3 Baths ⋅ 26042971 MLS ⋅ ACTIVE CONTINGENT Status

Beautifully renovated 4-bedroom, 3-bath City of Ludington home in a prime location near downtown, Lake Michigan beaches, marina, restaurants, parks and schools. This classic home offers quality updates throughout, including a private main-floor primary suite with his-and-her closets, double vanity bath and sunroom. Updated kitchen features London Sky quartz countertops, island and stainless appliances. Enjoy hickory hybrid flooring, large bay windows, built-ins and a double-sided gas fireplace. Major renovations approximately five years ago included furnace, water heater, electrical, plumbing, windows, doors, lighting, drywall, paint, flooring, siding and closed-cell foam insulation. Encapsulated crawl space. Newer concrete rear patio provides a great space for entertaining. Home is currently used as a vacation rental. Any required short-term rental license or approval is not transferable and must be obtained by the new owner. Furnishings may be negotiable.

316 N William Street, Ludington

4 Beds ⋅ 2 Baths ⋅ 26041388 MLS ⋅ ACTIVE Status

Recently remodeled 4 bed 2 bath near downtown Ludington and Pere Marquette Lake. If you are looking for a move in ready home in need of nothing then this is for you! This home features an expansive main floor master suite, main floor laundry, redesigned staircase, new kitchen with granite countertops, sunporch overlooking the inviting patio area and so much more! Call on this today!

612 E Melendy Street, Ludington

3 Beds ⋅ 3 Baths ⋅ 26040973 MLS ⋅ ACTIVE BACKUP Status

Premier Ludington Location! Just minutes from the sandy shores of Lake Michigan, Hamlin Lake, and Ludington State Park on M-116, this lovely home and property is ready for immediate occupancy. Situated on a large wooded parcel, and set back from the road with a circular drive, this 3 bedroom/2 1/2 bath home built in 1989 is well appointed and is in immaculate condition! The grand entry, with light pouring through from the vaulted dormer above, welcomes you the the main floor with two living areas - one has a wood burning fireplace; both formal and informal dining areas; a fabulous kitchen with Cambria quartz tops which overlooks the sunny back deck and yard; 1/2 bath and laundry. Three large bedrooms on the second floor include an expansive Primary Suite with private full bath, and a second full bath with new low threshold shower. Basement, currently used for storage, could be transformed to additional living space with the addition of egress windows to add more light...MORE Outside spaces provide room to escape and enjoy the surrounding woodlands. The covered front porch is a cozy gathering place and the tiered rear deck is perfect for entertaining large crowds! Step into the woods beyond the fire pit to enjoy the solace that Northern Michigan is known for! Versatile storage sheds can house your maintenance tools or become special spaces to retreat or create. Central Air Conditioning was just added to keep those summer days cool inside. Secure this one owner property that has been lovingly and skillfully maintained and start making your memories here in Ludington!

7354 W M-116, Ludington

3 Beds ⋅ 1 Baths ⋅ 26038497 MLS ⋅ ACTIVE Status

Welcome to your oasis! This wonderful property has lovingly been cultivated with flowers, fruit trees, vegetables and sunflowers! 3 bedrooms, 1 bath, wood floors and tasteful updates make this a must see! The garage off the alley is currently set up as a workout space but could provide parking. Home is within walking distance to downtown and all Ludington has to offer! If you have a green thumb then this is the place for you! Call today!

215 E Melendy Street, Ludington

3 Beds ⋅ 2 Baths ⋅ 20261057334 MLS ⋅ ACTIVE Status

Move-In Ready Home in Juniper Hills – Ludington, MIBeautifully maintained 3-bedroom, 1.5-bath ranch in Juniper Hills, one of Ludington’s most desirable neighborhoods. This move-in-ready home offers spacious living, major recent updates, and a location that’s hard to beat.Major Updates & Features:• New Roof – November 2025• New Well – December 2024• Fresh Exterior Paint – October 2024• New Insulated Exterior Doors• Updated Kitchen• HVAC Recently Serviced• Full Basement• 2-Car Attached Garage• Large Deck & Private BackyardThe home offers two spacious living areas, including a family room with a gas fireplace, along with abundant natural light, stainless steel kitchen appliances, and additional finished living space in the full basement.Outside, the large deck overlooks a peaceful backyard surrounded by mature trees, providing a great setting for entertaining and enjoying West Michigan summers.Conveniently located just minutes from Lake Michigan beaches, Ludington State Park, Corewell Health Hospital, schools, golf courses, marinas, and downtown Ludington shopping and restaurants.Many of the home’s largest ownership expenses have already been completed, giving the next owner the opportunity to simply move in and enjoy.

1439 Ivanhoe Road, Ludington

3 Beds ⋅ 2 Baths ⋅ 26036629 MLS ⋅ ACTIVE Status

Welcome to 509 N. Delia Street, where classic charm meets thoughtful updates just 1 mile from Stearns Park Beach and downtown Ludington. This beautifully maintained 3-bedroom, 2-bathroom home has been meticulously cared for and extensively improved, offering the perfect combination of character, comfort, and peace of mind. Inside, you'll find beautiful red oak hardwood floors and a bright, inviting interior featuring fresh paint, new carpeting, an updated kitchen with new countertops and a farmhouse sink, and a newly added full bathroom. Behind the scenes, extensive improvements—including updated electrical, PEX plumbing, new central air, added insulation for enhanced efficiency, and newer roof, siding, windows, furnace, and water heater—provide lasting value, improved comfort, and peace of mind for years to come. Outside, the 2-stall garage offers ample space for storage or hobbies. Just minutes from downtown Ludington and Lake Michigan, this home is one you won't want to miss!

509 N Delia Street, Ludington

2 Beds ⋅ 1 Baths ⋅ 26035890 MLS ⋅ ACTIVE Status

Welcome to 1072 N. Brookridge Road, where exceptional energy efficiency meets a fantastic location just minutes from downtown Ludington and a short drive to the shores of Lake Michigan. Situated on approximately 1.46 acres in the desirable Brookridge Subdivision, this beautifully maintained 2-bedroom, 1 spacious bathroom home offers nearly 1,200 square feet of thoughtfully designed main-level living with the added bonus of a full basement for storage or future expansion. One of the home's standout features is the Well Connect dual-fuel geothermal heat pump, providing highly efficient heating and cooling at an unbeatable cost while helping keep utility bills low year-round. Inside, you'll find timeless white oak hardwood flooring throughout, along with a Kinetico water softener, reverse osmosis system, and attractive cedar siding that enhances both curb appeal and durability. Move-in ready and designed with quality, efficiency, and comfort, this home is one you won't want to miss!

1072 N Brookridge Road, Ludington

Start Your Search