Freeland Michigan Mortgage Broker — 25+ Years of Trusted Lending
Edward Kalavitz | NMLS #138424 | Serving Freeland, Saginaw County & All 83 Michigan Counties
Edward Kalavitz · MLO NMLS #138424 · Private Mortgage Guarantee LLC · Serving Freeland, Saginaw County & all 83 Michigan counties
In This Guide
- Today’s Rates in Freeland
- Michigan Mortgage Advisor
- Meet Your Freeland Mortgage Broker
- About Freeland, Michigan
- Neighborhoods & Subdivisions
- Property Types
- Schools & Education
- Cost of Living & Taxes
- Market Trends
- Mortgage Options in Freeland
- Buying in Freeland
- Selling in Freeland
- Why Choose Edward
- Edward’s Local Take
- Watch: Meet Edward
- Nearby Cities
- Google Reviews
- Freeland FAQ
- Available Hours
Mortgage Rates in Freeland
Competitive pricing personalized to your scenario. Rates shown reflect 740+ credit, 30-year fixed terms unless noted.
Purchase Loans
Conventional Purchase
15-Year Conventional
FHA 30-Year Purchase
VA 30-Year Purchase
USDA Purchase & Refinance
USDA 30-Year Purchase
FHA Streamline Refi
Conventional Refinance
Jumbo & High-Balance
Jumbo / High-Balance
Get Your Freeland Rate in Writing
The rates above are today’s pricing at a 740 score. Your broker will quote your actual scenario — your credit, your down payment, your address — usually the same business day.
Not Sure Which Loan You Qualify For?
See the rates. Not sure which loan fits your situation? The Michigan Mortgage Advisor answers that in 60 seconds — analyzing your credit, down payment, and goals to recommend the best loan program and show you your real monthly payment on Freeland Michigan real estate.
- Instant loan-type recommendation — FHA, VA, USDA, or Conventional
- Live rate and APR for your exact scenario
- Michigan-specific closing cost estimate
- No credit check required to start
Best loan for you: FHA
3.5% down
~$1,830/mo principal + interest
Your actual recommendation is calculated live based on your inputs.
Meet Your mortgage expert
When Saginaw County buyers want expert lending guidance and a responsive professional who truly understands Michigan’s residential market, they turn to Edward Kalavitz with over 25 years of mortgage and real estate expertise. Freeland, Michigan is a Saginaw County community where average home prices of about $350,000 reflect a market Edward prices from current local comparables — creating a compelling opportunity for buyers across a wide range of financial profiles.
As both a licensed mortgage broker and Michigan realtor, your local loan expert delivers a seamless dual-service advantage — one professional handles both your financing strategy and your real estate guidance from pre-approval through closing day.
Conventional financing is the featured primary program at Freeland’s average of about $350,000 — down payments starting at 3-5% (about $10,500–$17,500) and the most flexible long-term structure for buyers with solid credit. FHA provides the credit-accessible alternative with just 3.5% down (about $12,250) for buyers earlier in their financial journey.
USDA rural development zero-down financing may also be available for some Freeland-area addresses verifies USDA eligibility for any address at no cost during the initial consultation.
With 25 homes sold in six months and a 30-day average market time, Freeland gives buyers meaningful time to evaluate properties carefully. Edward typically has pre-approval letters ready within 24 hours.
Your loan officer is available seven days a week including every holiday — weekdays 8 AM–8 PM and weekends 9 AM–8 PM. Call (616) 633-3692 anytime.
Edward Kalavitz holds both a mortgage broker license (NMLS #138424) and Michigan realtor license (#6501386956). As your local mortgage expert, Edward delivers Conventional + FHA lending expertise alongside dual financing and real estate guidance. 25+ years of Saginaw County market knowledge and 7-day availability including all holidays.
Freeland Michigan Mortgage Broker — First-Time Homebuyer Guide
With conventional financing starting at 3% down and FHA requiring about $12,250 at Freeland’s average of about $350,000 — in line with current local comparables — Freeland offers strong value for first-time buyers. Edward Kalavitz has guided hundreds of first-time buyers over 25+ years.
Your broker evaluates conventional and FHA side by side to identify the program delivering the best combination of upfront cost, monthly payment, and long-term structure. Michigan down payment assistance programs may further reduce upfront costs. Call Edward at (616) 633-3692 — pre-approval letters are typically ready within 24 hours.
Financing note: Your mortgage expert lends across every one of these neighbourhoods, and as your local mortgage expert, Edward can pre-approve you before you start touring.
About Freeland, Michigan
Freeland is a census-designated place of 7,630 (2020 census) in Tittabawassee Township, Saginaw County, anchored within the Saginaw-Midland-Bay Metropolitan Area. The CDP covers 6.7 square miles of mostly land in the central portion of the township. The 48623 post office reaches well beyond the CDP itself, serving most of Tittabawassee Township plus portions of seven neighboring townships across four counties’ worth of rural-to-suburban frontage in the Tri-Cities region. Your local loan expert can tell you whether this moves your number much.
Long before European settlement, the land was home to Chippewa, Ottawa, and Pottawatomi communities. The 1819 Treaty of Saginaw ceded a wide swath of land including Saginaw County to the federal government, with several reserved tracts. One of those — Black Bird’s Village, 6,000 acres along the Tittabawassee — sat very near the present location of the village.
In the 1850s, lumbering outposts developed along the river. The Loretta settlement received the ‘Jay’ post office in April 1856, named for first postmaster Jefferson Jaqruth. In 1867, resident George Truesdale moved the office north to a second settlement. The post office was renamed in January 1879 after a popular riverside tavern operated by ‘Mammy Freeland’. The community also became a station on the Pere Marquette Railroad.
Today the local economy is shaped by Tri-Cities employment access rather than a single dominant employer. Workers commute outward to Saginaw, Midland, and Bay City — each within 11 to 20 minutes — for healthcare, manufacturing, education, and corporate roles. MBS International Airport, which sits within the township and shares 48623 ZIP coverage, anchors regional commercial air service and supports an aviation, logistics, and service workforce. The M-47 and US-10 corridors carry that commuter and freight traffic, and Freeland Community Schools is a major year-round employer in its own right. This is worth checking with Edward before you commit to a payment.
Neighborhood Guide · Freeland, MI
Freeland Neighborhoods
The CDP covers 6.7 square miles in the central portion of Tittabawassee Township, with the 48623 ZIP reaching well beyond the CDP boundary into seven adjoining townships. Inventory ranges from the older Pierce Road core to riverside parcels along the Tittabawassee, school-feeder subdivisions, airport-adjacent residential, and corridor lots along M-47 and US-10.
Freeland Center / Pierce Road
The historic settlement core along Pierce Road, traceable to the 1867 relocation of the post office to George Truesdale’s settlement and the 1879 renaming after the riverside tavern operated by Mammy Freeland. Inventory here mixes older lumber-era and railroad-era homes (the Pere Marquette Railroad ran a station through the community) with mid-century infill and newer replacement housing. Lots tend to be more compact than the outer-township parcels, and the center is the practical heart of village identity for a CDP that otherwise spans 6.7 square miles. Your loan officer can explain how underwriting treats this.
Walkability: Compact village core with the most walkable concentration of housing, services, and school-area destinations. Ask Edward Kalavitz what documentation this will require.
Buyer fit: Common among buyers prioritizing historic village character, proximity to community amenities, and lower-maintenance lot sizes — including retirees scaling down from larger parcels and first-time buyers entering the local market. Your broker can tell you if this affects your timeline at all.
Tittabawassee River Corridor
Parcels along the Tittabawassee River — the same waterway that drew the original 1850s lumber outposts and gave the area its early identity. Lots here tend toward larger acreage with river frontage or near-river orientation, and inventory ranges from older lumber-era and mid-century riverside homes to newer custom builds. Of the CDP’s 6.7 square miles, only about 0.04 is water; river-frontage parcels are therefore a finite share of the local inventory and tend to command premium pricing relative to interior blocks. As your local mortgage expert, Edward keeps the lending and the buying on one schedule.
Walkability: Drive-oriented riverside lanes; access to village amenities and schools is by car. Your mortgage expert can confirm the current figure rather than an estimate.
Buyer fit: Common among buyers prioritizing river frontage, larger lot sizes, and a quieter setting outside the village core — including retirees, remote-work professionals, and buyers trading dense Tri-Cities neighborhoods for waterfront character within commuting range. Bring your questions on this to your local loan expert early in the process.
Freeland Community Schools Area
Residential blocks feeding into Freeland Community Schools — the local public district operating Freeland High School. These subdivisions are the working core of family-housing demand in the area, with the 2020 census recording 40.8% of households having children under 18 and 63.2% married-couple households. Inventory is dominated by mid-to-later-20th-century single-family homes plus newer infill, typically on regular subdivision lots with sidewalks and consistent setbacks. Edward can show you the difference in real dollars.
Walkability: Sidewalks throughout most subdivisions; walking access to schools varies by specific street. Ask your loan officer which loan programs treat this most favourably.
Buyer fit: Common among families with school-aged children prioritizing the local district, plus buyers anticipating future children who want to lock in district assignment before family growth. Edward confirms property-specific district boundaries as part of every buyer consultation. Edward Kalavitz can tell you what a seller is likely to accept here.
MBS International Airport Adjacent
Residential parcels sitting within easy reach of MBS International Airport — the regional commercial airport for the Saginaw-Midland-Bay Tri-Cities and a defining piece of local transportation identity. The 48623 ZIP also reaches into Kochville Township to the east, where airport operations and related employment are concentrated. Inventory near the airport ranges from modest mid-century single-family homes to newer subdivision builds, generally on regular lots with drive-oriented street patterns. As your local mortgage expert, Edward can answer this without a referral.
Walkability: Drive-oriented street layout; airport access is by car within minutes. Your broker can check this against today’s guidelines.
Buyer fit: Common among aviation and logistics workers based at MBS, frequent business travelers prioritizing same-day airport access, and Tri-Cities commuters who value the central position relative to Saginaw, Midland, and Bay City employment. This is a question for your mortgage expert before you start looking.
M-47 / US-10 Corridor
Parcels along and near M-47 (the north-south state highway through the area) and US-10 (the east-west freeway that ties the Tri-Cities together and reaches across mid-Michigan). These corridors carry the daily commuter flow between the village, the airport, and the three Tri-Cities employment centers. Housing along the corridor is a mix of older farm-era homesteads on larger lots, mid-century subdivisions, and newer single-family builds. Your local loan expert can tell you how much room this leaves you.
Walkability: Drive-oriented; designed around corridor and freeway access rather than pedestrian travel. Ask Edward to sanity-check the numbers you have been quoted.
Buyer fit: Common among Tri-Cities commuters splitting work locations between Saginaw, Midland, and Bay City, plus buyers prioritizing fast US-10 access to mid-Michigan destinations including Lansing (about 85 minutes) and the Grand Rapids region beyond. Your loan officer can confirm what a lender will need to see.
Greater Freeland Residential
The broader stock of single-family residential blocks across the CDP and the surrounding ZIP-served townships. The 48623 post office serves not only the central CDP but also adjoining portions of Midland, Williams, Frankenlust, Kochville, Thomas, Richland, and Ingersoll townships — so ‘greater’ inventory here can mean acreage parcels well outside the CDP boundary. Housing types range from older rural homesteads to newer subdivision homes. As your local mortgage expert, Edward reviews this with every buyer.
Walkability: Walkability varies block by block — neighborhood-amenity walking in subdivisions, drive-oriented on rural-edge parcels. Edward Kalavitz can tell you whether waiting changes anything.
Buyer fit: Common among year-round residents who want a Tri-Cities-suburb lifestyle with the option of larger acreage, including families wanting yard space, hobbyists who need outbuilding room, and buyers prioritizing a quieter setting within commuting range of all three Tri-Cities. Worth asking your broker how this fits your down payment plan.
Financing note: Value varies block by block here, and your mortgage expert prices the specific address rather than the postcode. Ask your local loan expert which pockets appraise most consistently.
Property Types in Freeland
Single-Family Homes
Single-family housing is the core of local inventory, spanning lumber-era and railroad-era homes near the Pierce Road core, mid-to-later-20th-century subdivisions feeding the school district, and newer custom and production builds across the wider 48623 ZIP. Lot sizes range from compact village-core parcels to acreage homesteads in the outer-township portions of the ZIP. Edward can put a real figure to this rather than a range.
Condos & Townhouses
Condo and townhouse inventory is moderate rather than large — common for a township-based CDP without dense urban blocks. Available units cluster in newer subdivision settings and serve retirees scaling down from larger homes, professionals wanting lower-maintenance living within reach of the airport and the Tri-Cities, and first-time buyers entering at price points below most single-family inventory. New listings can be limited at any given time; pre-approval and quick-move readiness matter. Ask your loan officer what this looks like on a monthly basis.
New Construction
New construction is driven by Tri-Cities commuter demand, school-district family demand, and steady airport-workforce activity. Builds range from production single-family in subdivision settings to custom builds on larger outer-township parcels. Buyers considering new construction should plan for build-time variability, lender draw-schedule coordination, and lot-size differences between in-CDP and outer-township parcels — all factors Edward walks through before contract. Edward Kalavitz can tell you if this is worth structuring differently.
Investment Properties
Rental demand is anchored by the MBS Airport workforce, Tri-Cities commuters, and rotating professionals (healthcare, education, and corporate roles in Midland and Saginaw). Investors look at single-family rentals in school-feeder neighborhoods, smaller multi-family and duplex inventory, and the rare condo unit. Cash-flow analysis should account for local property-tax structure and insurance near the river and airport approach. As your local mortgage expert, Edward will tell you plainly if it does not work.
Waterfront Homes
The Tittabawassee River defines local waterfront inventory — about 0.04 of the CDP’s 6.7 square miles is water, so true river-facing parcels are a finite, slow-turnover share of the market. Inventory ranges from older riverside homes traceable to the lumber-and-railroad era to newer custom builds on larger river-frontage parcels. Buyers should expect premium pricing, careful floodplain review, and a tighter inspection lens on shoreline conditions and any river-side outbuildings. Your broker can identify this before it becomes a condition.
Luxury Homes
Higher-end inventory concentrates on Tittabawassee River-adjacent parcels and larger-acreage outer-township homesteads served by the 48623 ZIP. Buyers in this range tend to be Tri-Cities executives, dual-physician households working across Saginaw and Midland systems, and out-of-area retirees relocating for waterfront and airport access. Edward’s dual-licensed structure coordinates jumbo financing and offer terms in a single workflow. Ask your mortgage expert to review this alongside your credit profile.
Financing note: Programme fit depends on build type and condition. Your local loan expert matches the loan to the property, and as your local mortgage expert, Edward flags repair-escrow risk before the appraisal, not after.
Freeland Schools & Education
Education in the area is anchored by Freeland Community Schools — the local public district whose service area aligns closely with the 48623 ZIP and CDP footprint. Higher education is well-served by Saginaw Valley State University and Delta College, both within the Tri-Cities region. Private and parochial options are accessible across the wider Saginaw County area.
Freeland Community Schools
The public district serving most of the CDP and surrounding township area. The district operates Freeland High School along with its elementary and middle-school programs. Family demand for the district is reflected in the 2020 census numbers — 40.8% of local households had children under 18 living in them and 63.2% were married-couple households, both above-typical rates that drive sustained interest in district-feeder neighborhoods. Because the 48623 ZIP reaches into adjoining townships in four directions, school-district assignment is property-specific and should always be verified at the address level before an offer. Edward can tell you how sellers here typically handle it.
Private & Parochial Options
The broader Saginaw County and Tri-Cities region supports a range of private and parochial schools, accessible within commuting distance from most of the 48623 ZIP. Options across the region span K-8 parochial programs operated by area parishes, college-prep independent schools concentrated in Saginaw and Midland, and Christian-academy programs serving multiple denominations. Specific enrollment, tuition, busing arrangements, and admissions criteria vary by school and shift year to year — Edward can connect buyers with current information for the schools that best fit a family’s situation, alongside the district-assignment review for any property under consideration. This is where having a Freeland Michigan mortgage broker who knows the area helps.
Higher Education — SVSU / Delta College
Saginaw Valley State University, the regional four-year public university, and Delta College, the regional community college, are both within the Tri-Cities region and within typical commuting range of the 48623 ZIP. SVSU serves traditional four-year undergraduates, graduate students, and adult learners. Delta College serves transfer students, career and technical programs, and dual-enrollment students from area high schools. For buyers with college-bound students, university employees, or adult learners returning to school, the combined presence of both institutions in the local commute shed is a meaningful lifestyle factor in choosing the area. Your loan officer can confirm eligibility before you get attached to a house.
School district boundaries cross municipal lines and assignments shift periodically. Confirm exact district assignment for any specific property with Edward — he verifies district and enrollment options as part of the buyer consultation.
Financing note: District lines move value street by street, and Edward Kalavitz prices from the appraised address rather than the mailing town. Ask your broker to confirm the district before you write the offer.
Cost of Living & Property Taxes in Freeland
One of the biggest advantages of Freeland Michigan real estate is affordability relative to comparable metro areas. Here’s what it costs to live in Freeland.
18 mills
Removed by PRE
$72,000
Median Household Income
~50%
Taxable Value of Market
Property Taxes
Freeland property taxes are calculated on a home’s taxable value — roughly 50% of market value in Michigan — multiplied by the local total millage rate (city or township + county + school + intermediate school district). Your exact tax depends on the specific property and jurisdiction within the Freeland area; Edward provides a precise estimate for any home you’re considering.
If the home is your primary residence, file the Michigan Principal Residence Exemption (PRE) — it removes 18 mills (the local school operating millage) from your tax bill. On an average-priced Freeland home, the PRE saves roughly $1,130 per year, typically 30–40% of total property taxes. The PRE is filed once at closing and stays in effect as long as you live in the home.
Cost Comparison
Michigan offers among the lowest costs of living in the Great Lakes region. Housing, property taxes, and — since the 2020 no-fault auto insurance reform — vehicle insurance all run below national averages, and Michigan has no local income tax in most jurisdictions. For buyers relocating from higher-cost metros, that combination means a given budget reaches noticeably further in Freeland than in comparable out-of-state markets.
Within Freeland, the real cost variable is neighborhood and property type rather than the city overall. Edward walks buyers through total monthly cost — mortgage, taxes, insurance, and utilities — for any specific Freeland home so the comparison is grounded in real numbers, not averages.
Financing note: Taxes and insurance are escrowed into the monthly payment and counted in your ratios, so your mortgage expert builds them in from the start rather than surprising you at closing.
Freeland Market Trends
Understanding market trends helps buyers and sellers make better decisions in the Freeland Michigan real estate market. Here’s what the data shows.
Key Trends for 2026
Prices rising steadily
Freeland home values continue to appreciate, outpacing the national average.
Low inventory
Current supply is well below a balanced market (typically 4–6 months), meaning demand significantly exceeds available homes.
Fast-moving market
Well-priced homes in desirable neighborhoods sell in under 2 weeks. Buyers need pre-approval ready.
Spring/summer peak
Historically, Freeland sees the strongest buyer activity from April through August.
New construction increasing
Developers are adding inventory in suburban areas, but supply still lags demand.
Financing note: Trends move faster than published averages, which is why your local loan expert reprices weekly. Edward can tell you what is actually closing in Freeland right now.
Freeland Michigan Mortgage Broker Loan Programs
Your loan officer offers the full range of Michigan mortgage programs for Saginaw County buyers. Edward compares all programs across multiple wholesale lenders to find your best fit.
🏠 Conventional Loans Featured
№ 01- As low as 3-5% down — about $10,500–$17,500 at Freeland’s average
- PMI drops automatically at 20% equity
- Best long-term structure for buyers with 620+ credit
- Wholesale rates from dozens of lenders compared simultaneously
🏡 FHA Loans Featured
№ 02- 3.5% down — approximately $12,250 at Freeland’s average of about $350,000
- Credit scores as low as 580 accepted
- Seller can contribute up to 6% toward closing costs
- Flexible income and debt-to-income guidelines
🌾 USDA Loans Option
№ 03- Zero down payment for qualifying Freeland-area rural addresses
- Below-market interest rates for income-eligible buyers
- Edward Kalavitz verifies eligibility at no cost
- Income limits apply — Edward reviews Saginaw County limits at consultation
💎 Jumbo Loans Option
№ 04- Available for Freeland properties exceeding the conforming loan limit
- Competitive wholesale jumbo rates from multiple lenders
- Typically requires 700+ credit and 10-20% down
- Ideal for premium Saginaw County properties
🎖️ VA Loans — Zero Down for Freeland Veterans
№ 05- 0% down payment — no PMI ever required
- Available to veterans, active duty, and eligible surviving spouses
- Competitive rates that routinely outperform conventional options
- Edward is experienced with VA loan processing statewide
🔄 Refinance Options
№ 06- Rate-and-term refinance to reduce your monthly payment
- Cash-out refinance to access accumulated home equity
- Conventional, FHA Streamline, and VA IRRRL options available
- Edward calculates your break-even before recommending any refinance
📄 Bank Statement Loans
№ 07- 12-24 months of bank statements in place of tax returns
- Ideal for self-employed Freeland residents and business owners
- Available for purchase and refinance transactions
📊 DSCR Loans
№ 08- Qualify based on rental income — not personal income
- Ideal for Saginaw County investment property purchases
- No employment verification or tax returns required
🔧 Renovation Loans
№ 09- Finance purchase plus renovation costs in one loan
- FHA 203(k) and conventional renovation options available
- Ideal for older Freeland-area residential properties
🏦 MSHDA Down Payment Assistance
№ 10- Up to $10,000 in down payment help from the Michigan State Housing Development Authority
- Income limits apply and vary by household size and county
- Can be combined with FHA or Conventional financing on an eligible purchase
- Edward checks your eligibility at the consultation — before you shop, not after
🔄 FHA Streamline Refinance
№ 11- For homeowners who already hold an FHA loan — refinance without a new appraisal in most cases
- No income documentation and no new credit underwriting on the standard non-credit-qualifying path
- Requires a net tangible benefit — the refinance has to measurably improve your position
- Edward reviews whether your current FHA loan qualifies at no cost
Freeland Michigan Mortgage Broker — Your 5-Step Process
Your broker has refined a clear, efficient process over 25+ years of Michigan lending.
Step 1: Free Consultation & Pre-Approval
Call your mortgage expert at (616) 633-3692 or apply online. Edward compares all programs simultaneously and identifies the best fit. Pre-approval letters are typically ready within 24 hours.
Step 2: House Hunting in Freeland
Pre-approval in hand, you evaluate Freeland properties with confidence. Your local loan expert can also serve as your licensed realtor — running live payment scenarios as you compare properties across Saginaw County.
Step 3: Loan Application & Rate Lock
Once your offer is accepted, Edward completes the formal loan application and locks your rate — comparing pricing across all wholesale lenders for your best available terms.
Step 4: Processing & Underwriting
Edward manages the complete pipeline — appraisal, title, underwriting submission, and clearance — keeping your Freeland transaction on track through every approval step.
Step 5: Closing Day — Welcome Home to Freeland
On closing day, your loan officer ensures every document is accurate and all fees are verified. You sign final documents and officially become a Freeland homeowner.
Edward’s Selling Advantage
Selling Your Home in Freeland
Selling a home in Freeland in 2026 rewards preparation. Accurate pricing from day one, professional presentation, and strategic timing are what separate listings that attract strong offers from those that linger on the market. Edward’s dual-license perspective — licensed Realtor and Mortgage Loan Originator — means he prices with both sides of the transaction in view, and can pre-qualify incoming buyers to keep your closing on track. Edward can map this against what you want your payment to be.
As your listing agent, Edward Kalavitz handles every step of the local selling process — comparative market analysis using current Freeland comps in your specific neighborhood, professional pricing strategy informed by 25+ years of Michigan real estate experience, MLS listing on the Edward’s statewide MLS network (Water Wonderland Association, Realcomp II Limited, Northern Great Lakes MLS, MiRealSource, MichRIC, and Greater Regional Alliance of REALTORS (GRAR)), professional photography and digital marketing, open house scheduling, offer negotiation, and full coordination through inspection, appraisal, and closing. Ask your loan officer to show you the trade-offs before you decide.
Most Freeland sellers find that listing in April through August captures the strongest buyer activity — but well-priced homes sell year-round in this market.
Edward’s dual license as both a Michigan Realtor (#6501386956) and Mortgage Loan Originator (NMLS #138424) gives sellers a meaningful advantage that single-licensed agents simply can’t match.
When offers come in, Edward immediately vets each buyer’s financing strength with a lender’s eye — flagging weak pre-approvals before you accept an offer that might fall through, identifying buyers whose lock periods are about to expire, and reducing the risk of a deal collapsing in underwriting two weeks before close. In a fast market like Freeland, fewer fall-throughs means faster, more certain closings.
Before you list, run the numbers. Edward’s Seller Net Sheet Calculator shows your estimated proceeds after agent commissions, title fees, transfer taxes, and remaining mortgage payoff — so you know exactly what you’ll walk away with before you sign a listing agreement. For a free home valuation and listing strategy consultation, call Edward at (616) 633-3692.
Financing note: Most Freeland sellers are buying again, and Edward Kalavitz can time the sale against the purchase. As your local mortgage expert, Edward runs both sides together so you see one number. You are never required to use your broker for the sale as well.
Why Choose This Freeland Michigan Mortgage Broker
Your mortgage expert brings over a quarter century of lending and real estate expertise to every Saginaw County transaction.
Edward compares Conventional + FHA across dozens of wholesale lenders simultaneously — ensuring every Freeland buyer gets the best available rate and program structure.
Edward Kalavitz
Edward’s Local Take on Freeland
Freeland is one of the more interesting suburbs I work in — a village-scale community of 7,630 with an unusual amount packed into one ZIP code: a commercial airport, three Tri-Cities within 20 minutes, a strong school district, and Tittabawassee River frontage. Twenty-five years across this market, I’ve learned that buyer priorities here split cleanly along five lines. Here’s how I help buyers think it through, ranked by the priority I hear most often when families first call. Your loan officer can verify this rather than leaving you to guess.
Edward Kalavitz
Watch: Meet Edward
Get to know Edward Kalavitz — learn how he helps Freeland Michigan families buy, sell, and finance homes with dual-licensed real estate and mortgage expertise.
Nearby Cities
Exploring the Freeland Michigan real estate market but open to nearby communities? These cities are all within a short drive and offer different price points and neighborhood character — explore each one’s listings below.
What Clients Say About Working with Edward
These are verified Google reviews from Edward’s Google Business Profile. Edward is dual-licensed — Mortgage Loan Originator (NMLS #138424) and Michigan Realtor — so reviewers include both financing and real estate clients.
“Very Professional and Thorough”
“Edward’s is very professional and thorough. Had a great experience working with him. Everything went very smooth.”
“Great to Have 2 in 1”
“Ed was very responsive, knowledgeable, and made our first home buying experience great! He’s a relator and lender, which was great to have “2 in1”. We were able to look at houses and run number the same day. He was very flexible with times we needed to set up showings, as well as very informative and organized with paperwork! I appreciate his expertise greatly!” A Freeland Michigan mortgage broker who also holds a real estate licence sees the whole transaction.
“Works Hard 24/7”
“Ed is wonderful to work with! He is very thorough, experienced, and friendly. Ed works hard 24/7 to give you the best mortgage experience and is always able to help with whatever you need!”
“Above and Beyond”
“Edward is a great relator and loan officer. He helped my fiance and I buy our first home. We called him back when we were ready to sell and buy our forever home. He again went above and beyond to make the process swift and easy. I recommend him to my friends and family who are looking into buying, selling or refinacing their home!” Your local loan expert can show you where this sits in your budget.
“Closing Came Sooner Than Anticipated”
“Edward was up front, professional and most helpful in first determining if I was a good candidate for a mortgage re-Fi. My case was Probably not the easiest, however, he made my “homework” manageable. The closing came sooner than anticipated, thanks to his perseverance, knowledge and professionalism.”
“Not Only My Realtor — My Friend”
“Edward was an excellent help in the most stressful time of my life. My son passed away in 2018 and I had to sell his home. Edward alleviated some stress by being patient, organized and communicated thoroughly the entire process. He not only was my realtor/loan officer but he was my friend! Highly recommend him for any home needs!”
Freeland Commute & Transportation
The area sits within the Saginaw-Midland-Bay Metropolitan Area, with M-47 carrying north-south traffic, US-10 carrying east-west freeway traffic across mid-Michigan, and MBS International Airport providing regional commercial air service from within the township itself.
M-47
M-47 is the primary north-south state highway through the area, linking the village and surrounding township to US-10 and to the Saginaw and Midland street networks beyond. For daily commuters, M-47 is typically the first leg of the trip — feeding onto US-10 for east-west travel or continuing south toward Saginaw. Locally, it is the spine that ties the airport, residential subdivisions, and corridor commerce together.
US-10
US-10 is the east-west freeway through the Tri-Cities region, linking Bay City, Midland, and the area to Clare and points west across mid-Michigan, and east to I-75 toward Saginaw and the Detroit metro. For daily commuters, US-10 is the freeway leg that ties the three Tri-Cities employment centers together with manageable drive times — Midland in about 15 minutes, Saginaw in about 20, and Bay City in about 18. Bring this up with Edward before you write an offer.
MBS International Airport
MBS International Airport sits within Tittabawassee Township and is the regional commercial airport serving the Saginaw-Midland-Bay Tri-Cities. The proximity is unusual for a community of this size — most Michigan suburbs of comparable population require a 45-to-90-minute drive to reach a commercial airport. The airport supports business travel, leisure connections, and a meaningful local workforce in aviation, ground services, and logistics.
Tri-Cities Access
The position equidistant from Saginaw (about 20 minutes), Midland (about 15), and Bay City (about 18) is the defining commuting advantage. Workers can change jobs across the three cities without relocating, and dual-income households can hold roles in two different Tri-Cities without long drives for either partner.
Financing note: Freeway access is a recognised location factor in the appraisal, and your loan officer sees it in the comparables. Edward Kalavitz will also fold the true cost of a longer commute into what you can carry.
Where Freeland Sits on the Map
Approximate drive times to other markets buyers commonly compare to Freeland. Times reflect typical non-rush conditions; commute hours add 15–30%.
Freeland Lifestyle, Entertainment & Recreation
Daily life in the area blends Tri-Cities suburban convenience with a strong community-and-school identity, river-corridor character along the Tittabawassee, and unusual aviation proximity through MBS International Airport. The 2020 census numbers — 40.8% of households with children under 18 and 63.2% married-couple households — speak to a family-anchored rhythm built around schools, sports, and community events.
MBS International Airport
MBS International Airport anchors a transportation and aviation identity that is uncommon for a community of this size. Beyond the practical convenience of nearby commercial flights, the airport supports an aviation, ground-services, and logistics workforce that gives the local economy a distinct flavor compared with neighboring townships. For frequent business travelers and households with family in distant markets, the airport-adjacent setting is a year-round lifestyle factor.
Tittabawassee River Corridor
The Tittabawassee River runs through the area and has shaped its history since the 1850s lumber-outpost era — the river is the reason the tavern run by Mammy Freeland attracted lumbermen and rivermen, and the reason the community took its current name in 1879. Today the corridor anchors waterfront-residential lifestyle and riverside recreation.
Freeland Community Schools Identity
The local school district is the year-round center of community activity — Friday-night high-school sports, district-wide events, and the working calendar that organizes family life across the area. For a CDP of 7,630 with above-typical rates of married-couple-with-children households, district identity carries unusual weight in how the community sees itself.
Tri-Cities Suburb Character
Day-to-day life is shaped by the Tri-Cities setting — a community small enough to keep village-scale identity, but plugged into the employment, retail, healthcare, and cultural offerings of three separate cities within a 20-minute drive. Buyers from larger metros often describe the trade as ‘small-town feel, metro access’.
Financing note: Walkable amenities read as a resale strength, and your broker counts that in the comparables.
Freeland Healthcare & Medical Facilities
Healthcare access reflects the Tri-Cities setting — the area is bracketed by major hospital systems in Saginaw and Midland, both reachable in roughly 15 minutes. Tertiary and quaternary care is available within driving distance through major academic systems in Ann Arbor and the broader Detroit region.
Covenant HealthCare – Saginaw
Covenant HealthCare in Saginaw — about 15 minutes southeast — is a full-service regional hospital and a primary destination for emergency care, surgical services, and specialty medicine. The proximity makes it the practical first-line choice for households on the south and east sides of the 48623 ZIP.
MyMichigan Medical Center Midland
MyMichigan Medical Center Midland — about 15 minutes northwest — is the regional academic medical center for mid-Michigan, providing emergency, inpatient, surgical, and a wide range of specialty services. For households on the north and west sides of the area, it is typically the closest full-service hospital.
Ascension St. Mary’s Hospital – Saginaw
Ascension St. Mary’s Hospital in Saginaw provides a second comprehensive hospital option within the same 15-minute radius as Covenant. Together, the two Saginaw hospitals give the area redundancy in emergency capacity, specialty coverage, and physician networks — meaningful for households with complex medical needs.
Tertiary Referral — Major Academic Systems
For the most complex care — major transplant programs, advanced cancer protocols, pediatric subspecialty care — the University of Michigan in Ann Arbor (about 94 minutes) is the leading regional academic destination. Detroit-area academic systems are within a similar drive (about 105 minutes). These referrals are typically planned rather than emergent.
Financing note: Premiums and out-of-pocket costs never appear in your debt-to-income ratio, so your mortgage expert will show the payment your file qualifies for and the payment your household actually feels.
Freeland Michigan Mortgage Broker — Frequently Asked Questions
QWhat is the average home price in Freeland, Michigan?
The average home price in Freeland is about $350,000 — in line with current local comparables. Your local loan expert compares all programs to maximize your Saginaw County purchasing power.
QHow fast are homes selling in Freeland, Michigan?
Freeland averages 30 days on market — a balanced pace giving buyers meaningful evaluation time. Edward issues pre-approval letters within 24 hours. Edward can confirm the current figure for your situation.
QHow much down payment do I need in Freeland?
FHA requires about $12,250 (3.5%) at Freeland’s average of about $350,000. Conventional starts at 3-5% down (about $10,500–$17,500). VA offers 0% down for qualifying veterans. Your loan officer reviews every option before finalizing your strategy.
QWhat are closing costs in Freeland?
Closing costs typically run 2-5% — approximately $5,200–$17,500 on a $350,000 Freeland home. See the closing costs guide. Edward provides a detailed Loan Estimate upfront. As your local mortgage expert, Edward answers this the day you ask.
QWhat credit score do I need to buy in Freeland?
FHA accepts scores as low as 580. Conventional requires 620+. USDA requires 640 minimum. Edward Kalavitz reviews your full credit profile and recommends the best-fit program.
QHow long does it take to close in Freeland?
Conventional and FHA purchases typically close in 30-45 days from accepted offer. Edward manages the pipeline proactively to keep your Freeland transaction on schedule. Ask your broker to price your exact scenario rather than an average.
QDoes Edward Kalavitz serve Freeland, Michigan?
Yes. Edward Kalavitz is a licensed Michigan mortgage broker (NMLS #138424) serving Freeland and all 83 Michigan counties through Private Mortgage Guarantee LLC (NMLS #2033317). Available Monday-Friday 8AM-8PM and Saturday-Sunday 9AM-8PM including every holiday. Your mortgage expert will put this in writing on your Loan Estimate.
QIs Freeland, Michigan a good place to buy?
Freeland offers Saginaw County community character and a $350,000 average that is in line with current local comparables — with Conventional + FHA financing accessible for a wide range of buyers. Your local loan expert evaluates specific properties and programs for every buyer profile.
Ready to Get Started with Edward?
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Available When You Need Answers
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Michigan Loan Programs for Freeland Buyers & Homeowners
As your Freeland mortgage lender and broker, Edward Kalavitz offers the full range of loan programs — shopped across 12+ wholesale lenders. Explore your options: