A great opportunity in an established Saginaw neighborhood with no HOA! This single-story brick home offers 3 bedrooms, 2 full bathrooms, 1,529 square feet, a 2-car garage, and a functional layout with comfortable living spaces. The spacious fenced backyard offers plenty of room to entertain, garden, play, or create the outdoor setup you have been envisioning. Conveniently located near shopping, dining, schools, and major roadways, this home offers flexibility without the added restrictions of an HOA. Even better, the seller is offering a concession with an acceptable offer that may be applied toward allowable buyer closing costs or a rate buy-down, subject to lender approval—helping reduce upfront costs and leaving more room in your budget to make the home your own.