Otsego Homes with FHA Listing Terms

Otsego Homes with FHA Listing Terms

Welcome to Otsego, Michigan—a charming city nestled in the heart of Allegan County, where small-town warmth meets modern convenience. With a population of just over 4,500 residents, Otsego boasts a tight-knit community atmosphere that makes it an ideal place to call home. Known for its picturesque landscapes and vibrant downtown area, Otsego offers a delightful blend of local shops, eateries, and recreational opportunities. The city is surrounded by stunning natural beauty, including nearby parks and rivers, making it perfect for outdoor enthusiasts and families alike.

One of the standout features of the Otsego real estate market is the availability of homes with FHA listing terms. This means that first-time homebuyers or those looking to invest in property can take advantage of Federal Housing Administration loans, which often require lower down payments and more flexible credit requirements. Whether you're searching for a charming bungalow, a spacious family home, or a cozy townhome, Otsego has a diverse range of properties to suit every lifestyle and budget.

Living in Otsego also means enjoying a strong sense of community, with local events and festivals that bring residents together throughout the year. From farmers' markets to seasonal celebrations, there’s always something happening in this vibrant city. If you’re looking for a welcoming place to settle down, Otsego, MI, with its FHA-friendly homes, is a fantastic choice that promises both comfort and convenience. Come explore the possibilities and discover why so many are proud to call Otsego home!

Newest Otsego Homes with FHA Listing Terms

3 Beds ⋅ 1 Baths ⋅ 26039269 MLS ⋅ COMING SOON Status

COMING SOON! Showings to begin on August 6th, 2026 Welcome home to this move-in ready 3-bedroom, 1-bath home in the heart of Otsego! The home's inviting layout makes it easy to settle right in. New furnace and air conditioner in 2023, new tub with updated bathroom. Step outside to a fully fenced, park-like backyard that's perfect for entertaining, gardening, or relaxing with family and friends. Unwind after a long day on the spacious 3-season porch, offering the perfect place to enjoy your morning coffee or quiet evenings. Decorate to your style. Shared driveway. 20 minutes to Kalamazoo, 10 minutes to shopping/restaurants With its desirable location, charming features, and exceptional value, this home won't last long. Schedule your private showing today

212 E Hammond Street, Otsego

2 Beds ⋅ 3 Baths ⋅ 26038980 MLS ⋅ ACTIVE Status

New spacious bi-level with 1,362 sqft of living space! The large foyer invites you in, opening to a convenient mudroom with boot bench & half bath with main floor laundry. The kitchen features white (soft close) cabinetry, quartz countertops, tile backsplash, large center island, pantry, & stainless-steel appliances. The expanded floor plan creates a larger open concept kitchen, dining, & living area with cathedral ceilings, along with generously sized bedrooms. The primary suite includes dual sinks, a walk-in shower, and a large walk-in closet, while the second main-floor full bath also offers dual sinks for added convenience. The lower level has several daylight windows, providing flexibility for future bedrooms or additional living space. The oversized garage can easily accommodate larger vehicles and offers excellent storage. Set on a generous .70-acre lot, this new home offers peaceful country living with quick access to downtown Otsego and main roads for commuting. Tour today!

1958 Cygnet Drive, Otsego

4 Beds ⋅ 2 Baths ⋅ 26036991 MLS ⋅ ACTIVE Status

Welcome to 1095 Howard Street this beautifully maintained 4-bedroom, 2-bath home offers several updates and flexible living space. The fully remodeled kitchen serves as the heart of the home, while multiple bonus rooms provide endless possibilities for a home office, gym, playroom, or hobby space. The walkout lower level adds valuable living and entertaining space with easy access to the large fenced in backyard. Enjoy peace of mind with numerous recent improvements within the last 3 years, including a Reverse Osmosis System, 96.7% AFUE Gas Furnace, Honeywell Wi-Fi Thermostat, April Air 16SEER AC System, chimney liner, water heater, retaining wall with new drainage, gutters with leaf screens w/ downspouts, 2" thick steel insulated garage door, kitchen aid dishwasher (2024), the fully remodeled kitchen includes new base floor and insulation. With thoughtful updates throughout the entire house and room to fit a variety of lifestyles, this move-in-ready home is one you won't want to miss! Additional updates include: H&S Sump Pump Motor w/sealed basin lid, correct well room, new outlets throughout, upgraded toilets, and more. Mechanically this home has been completely updated!

1095 Howard Street, Otsego

4 Beds ⋅ 3 Baths ⋅ 26025923 MLS ⋅ ACTIVE Status

Distinctive Frank Lloyd Wright-inspired residence offering 4,778 square feet of living space on 18 wooded acres with exceptional privacy and a strong connection to nature. The property features more than one mile of private walking trails, a scenic creek, expansive upper and lower decks, and a full concrete driveway providing convenient year-round access. The home includes 4 bedrooms and 3 full bathrooms with spacious living areas designed for everyday comfort and entertaining. A large recreation room adjoins the 16' x 32' indoor saltwater swimming pool, creating a versatile space for gatherings throughout the year. A built-in sauna adds an additional amenity. The home is heated by propane furnaces serving both upper and lower levels, with an optional outdoor wood boiler capable of heating both the home and the pool. A 48' x 96' pole barn with concrete floors and an attached 68' lean-to provides abundant storage and workspace. Inside the barn is a 700-square-foot propane-heated apart

8730 B Avenue, Otsego

4 Beds ⋅ 2 Baths ⋅ 26013157 MLS ⋅ ACTIVE Status

New construction home in Southpointe Trails, located in Otsego school district. This thoughtfully designed split-level home offers 2,072 square feet, 4 bedrooms, and 2 full baths with a layout that maximizes both shared living space and private retreats. The kitchen showcases desirable upgrades including quartz countertops, a tile backsplash, white cabinetry, and a complete stainless steel appliance package with refrigerator. Sliding glass doors off the great room lead to a 10x10 deck, creating an inviting outdoor living space that extends the home for relaxing or entertaining. The primary suite is privately positioned on the upper level and includes its own full bath and generous closet space. The lower level adds exceptional flexibility with a full rec room that can easily serve as an office, study area, or den. Three spacious bedrooms and an additional full bath provide comfortable accommodations, while a dedicated utility area includes a washer and dryer. Daylight windows bring in abundant natural light, making the lower level feel open and welcoming. RESNET energy smart construction will save an estimated $1,209 annually. Actual savings may vary; see HERS® Rating Certificate and Energy Smart Flyer for details. Home includes a 10-year structural warranty, offering lasting peace of mind. Over 30 years newer and 500 sq ft larger than similarly priced homes in the area. Contact our team to schedule your private tour today!

1674 Aspen Trails, Otsego

4 Beds ⋅ 3 Baths ⋅ 26005588 MLS ⋅ ACTIVE Status

New construction home in Southpointe Trails, located in Otsego school district. This traditional two-story home offers 1,882 sqft of thoughtfully designed living space with 4 bedrooms and 2.5 baths, blending everyday comfort with timeless style. The great room is positioned at the front of the home, welcoming you in with natural light and a space that feels inviting from the moment you enter. Just beyond the kitchen, a dedicated dining nook with sliding glass doors offers a bright, inviting space for everyday meals, conversation, quiet mornings and access to the backyard. The modern kitchen is equipped with white cabinetry, quartz countertops, tile backsplash, and stainless-steel appliances with refrigerator. Upstairs, all four bedrooms are thoughtfully arranged for privacy, including a spacious primary suite with a private bath and walk-in closet that feels like a personal retreat. The home includes a 10x10 patio to the backyard, creating the perfect space for outdoor dining, entertaining, or relaxing while seamlessly extending your living space for easy indoor-outdoor living. With energy-efficient construction and a layout designed for flow and flexibility, this home offers a space that simply feels good to come home to. RESNET energy smart construction will save an estimated $1,195 annually. Actual savings may vary. See HERS Rating Certificate and Energy Smart Flyer for details. Home includes a 10-year structural warranty, offering lasting peace of mind. Over 50 years newer and over 200 sq ft larger than similarly priced homes in the area! Contact our team to schedule your private tour of a brand new home today!

1660 Aspen Trails, Otsego

25060239 MLS ⋅ ACTIVE Status

Buildable - see main listing 722 River Rd. (MLS #25060226) for additional info

722 River Road, Otsego

25060238 MLS ⋅ ACTIVE Status

Buildable - Refer to main listing 722 River Rd (MLS #25060226) for additional info.

722 River Road, Otsego

25060230 MLS ⋅ ACTIVE Status

Buildable site - Refer to main listing at 722 River Road (MLS #25060226) for additional info

722 River Road, Otsego

25002251 MLS ⋅ ACTIVE Status

Make it a point to see this lovely wooded lot in desirable Otsego Plat just south of Otsego . Just a short drive to town, schools, ski resorts, Kalamazoo, Holland or Grand Rapids for recreation or employment. Enjoy small time atmosphere with all the big city amenities nearby. This is the perfect spot for your new home in an area of well established homes. Small Drain that runs n / nw along east side will require a culvert for access to balance of property. Drain comm. owns 50' each side from center of drain. Plantings can be near but no permanent structures may be erected within 50' of centerline of drain. Assmt. For drains was levied last year. Baughman drain is not near property and drain comm. land on either side of it does not affect this property.

Briarwood Drive, Otsego

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