Bellingham Homes with FHA Terms

Bellingham Homes with FHA Terms

Located in the picturesque state of Washington, Bellingham is a vibrant city known for its natural beauty and thriving community. Situated in Whatcom County, Bellingham offers residents a high quality of life with its stunning landscapes, friendly neighborhoods, and a range of recreational activities.

Bellingham is a city that truly has it all. From its close proximity to the stunning Mount Baker and the San Juan Islands to its lively downtown area, there is something for everyone here. Outdoor enthusiasts can enjoy hiking, biking, and skiing in the nearby mountains, while water lovers can indulge in boating, fishing, and kayaking in the Puget Sound.

When it comes to finding a home in Bellingham, buyers have the advantage of FHA terms being available. The Federal Housing Administration (FHA) offers loans that are backed by the government, making it easier for buyers to secure financing for their dream home. With FHA terms, buyers can benefit from lower down payments, flexible credit requirements, and competitive interest rates.

Whether you're looking for a cozy single-family home in a peaceful suburban neighborhood or a trendy downtown loft, Bellingham has a wide range of housing options to suit every lifestyle and budget. From charming historic houses to modern new constructions, there is a home for everyone in this beautiful city.

With its stunning natural surroundings, strong sense of community, and availability of homes with FHA terms, Bellingham is an ideal place to call home. Don't miss out on the opportunity to experience the best that this city has to offer.

Newest Bellingham Homes with FHA Terms

1464 Greenville Drive, Bellingham
$585,000
3 Beds ⋅ 2 Baths ⋅ 2601607 MLS ⋅ ACTIVE Status
Location, Location, Location! Welcome to this rare Tweed-Twenty find! Completely remodeled and move-in ready, this beautifully refreshed home offers modern comfort and style in a sought-after Bellingham neighborhood. Improvements include a brand-new roof, updated kitchen and bathrooms, new flooring, lighting, and fresh interior and exterior paint. The backyard has been cleared and is ready for your vision—create your own garden oasis, outdoor entertaining space, or peaceful retreat. Whether you're looking for a place to call home or exploring potential rental income opportunities, this property offers versatility and value. Enjoy convenient access to Lake Whatcom, nearby trails, shopping, and schools. Fresh, inviting, and ready for its next chapter—this is one you won't want to miss!

1464 Greenville Drive, Bellingham

Listing Broker: NextHome 365 Realty; Rachel Caldwell; 360-333-7830; r.caldwell.realestate@gmail.com

1315 Whatcom Street, Bellingham
$650,000
3 Beds ⋅ 2 Baths ⋅ 2601415 MLS ⋅ ACTIVE Status
Welcome to 1315 Whatcom St., an immaculate, updated, air-conditioned, ONE-LEVEL home in the gated Bellingham community of Pacific Woods. This 3-bed, 2-full-bath home features over 1500 sq. ft. of airy, freshly repainted, comfortable space. Enjoy vaulted ceilings, warm wide-plank oak floors throughout, plantation shutters, shaker style hinges & handles, & an impressive pride of ownership. An office or guest BR sits just off the front entry. Step down the short hall to the spacious kitchen with breakfast dining space, stainless LG appliances, a fully shelved pantry. Take your meal outside the 240 sq. ft. tiled patio, or host dinners in the formal dining area. The adjacent oversized living room creates endless options for entertaining or spending relaxed days at home. The Primary Suite will easily accomodate your kingsize bed & full furniture set, while the walk-in closet & full bath make your every-day needs pleasantly luxurious. An additional guest BR, full bath, & laundry room with included appliances are the hub around which the interior layout is centered. Store your vehicles, tool & toys in the attached 2-car garage, & enjoy peace of mind thanks to the auto-on back-up generator. This extremely well-cared-for home is unique in that it benefits from the security of a gated neighborhood, but is NOT technically part of the HOA. Dues are just $65/mo. No age restrictions, no problem long-term renting it. Just 1/4 mile to Whole Foods, banking, dining & easy I-5 access.

1315 Whatcom Street, Bellingham

Listing Broker: COMPASS; Brandon Nelson; 360-319-0696; brandon@brandonnelson.com

5390 Bel West Drive, Bellingham
$945,000
4 Beds ⋅ 3 Baths ⋅ 2601397 MLS ⋅ ACTIVE Status
Set on a full acre along a quiet private road lined with high-end homes, this two-story Bellingham property offers space, privacy, and an unbeatable location just minutes from shopping, dining, top-rated schools, and I-5 access. A welcoming covered front porch leads into a bright foyer that flows seamlessly into a gourmet kitchen featuring abundant cabinetry, stainless appliances, and a sunny breakfast nook overlooking the sprawling backyard. The adjoining family room centers around a cozy gas fireplace, while a separate formal living and dining area offers additional room to gather and entertain guests year-round. Upstairs, the primary suite is a true retreat, featuring a jetted soaking tub, spacious walk-in closet, and dual-sink vanity, joined by generously sized secondary bedrooms, a full bath, and a dedicated home office/4th bedroom perfect for remote work or study. Step outside to a large patio overlooking a vast, level acre of lawn framed by distant mountain views — the kind of open, private space that's increasingly rare in this sought-after neighborhood of custom-built homes. With a 2-car garage plus ample parking for cars or RVs in the driveway, mature landscaping with robotic mower included, and plenty of room to roam for gardens, play, or a future shop, this property is a rare blend of comfort, privacy, and an unmatched, convenient location just outside the city.

5390 Bel West Drive, Bellingham

Listing Broker: Keller Williams Western Realty; Aaron Bean; 360-318-5958; aaronb@benkinneyteam.com

1448 Terressa Lane, Bellingham
$675,000
3 Beds ⋅ 2 Baths ⋅ 2601058 MLS ⋅ ACTIVE Status
Single-Level Living in Silver Beach! Nestled at the end of a quiet cul-de-sac in the desirable Tweed Twenty neighborhood, this beautifully maintained home was built by renowned Eide Construction and has been meticulously cared for throughout the years. Situated on nearly half an acre, this property offers a peaceful, private setting surrounded by lush greenery and mature trees. Step inside to an inviting floor plan featuring a recently updated kitchen with granite countertops, shaker cabinetry, tile backsplash, and stainless-steel appliances. The spacious living room overlooks the serene backyard, with a cozy pellet stove adding warmth and charm. An oversized dining room offers the perfect space for gathering, with sliding doors leading to an expansive deck that stretches the entire length of the home, ideal for summer BBQs and outdoor entertaining. Generous primary suite features two walk-in closets and a private ensuite bath. Step outside to a flat, fully fenced backyard surrounded by nature, offering endless opportunities for gardening, entertaining, or simply enjoying the peaceful surroundings. A rare opportunity to enjoy single-level living, privacy, and nearly half an acre in one of Silver Beach's most desirable neighborhoods!

1448 Terressa Lane, Bellingham

Listing Broker: Hansen Group Real Estate Inc; Ashleigh Abhold; 360-305-7543; Ashleigh@hansengroup.com

1251 Nevada Street Unit #17, Bellingham
$235,000
2 Beds ⋅ 1 Baths ⋅ 2601383 MLS ⋅ ACTIVE Status
SELLER TO CONTRIBUTE $10,000 TOWARDS CLOSING COSTS! Move-in ready and beautifully refreshed, this second-floor condo offers comfort, convenience, and exceptional value in Bellingham's desirable Puget neighborhood. Recent updates include brand-new LVP flooring, new countertops, fresh interior paint, and a new water heater. The kitchen has been thoughtfully updated with nearly all major appliances replaced within the last five years. The functional single-level floor plan features 2 bedrooms, 1 bath, an open living area, and a private balcony for enjoying fresh air and morning coffee. Enjoy the ease of low-maintenance condo living with assigned parking and HOA dues that include water, sewer, garbage, and common area maintenance. Conveniently located just moments from Whole Foods, Fred Meyer, shopping, dining, public transit, and I-5 access. With no rental cap, this property presents an excellent opportunity for both owner-occupants and investors alike. Whether you're looking for your first home, a downsizing option, or an investment property, this updated condo is ready to welcome you home.

1251 Nevada Street Unit #17, Bellingham

Listing Broker: Keller Williams Western Realty; Jen Glyzinski; 360-507-4343; jen@welovebellingham.com

104 Carter Drive, Bellingham
$725,000
3 Beds ⋅ 2 Baths ⋅ 2601222 MLS ⋅ FIRST LOOK Status
Welcome to this beautifully updated Birchwood rambler, where modern comfort, thoughtful upgrades, and exceptional energy efficiency come together! Situated on a spacious, nearly quarter-acre lot on a quiet dead-end street, this charming 3-bedroom, 1.5-bath home offers 1,768 square feet of inviting single-level living. Extensively improved since 2020, the home features a completely remodeled kitchen with all-new appliances, fresh interior and exterior paint, a beautifully finished detached garage, and solar panels that help keep electric bills remarkably low! Inside, you'll find beautiful hardwood floors, comfortable living spaces, and a cozy gas fireplace, creating a warm and welcoming atmosphere. Step outside and discover your own gardener's paradise, complete with mature landscaping, fruit trees, a spacious deck, and plenty of room for outdoor entertaining or peaceful relaxation. Enjoy the convenience of nearby parks, schools, shopping, and all that Bellingham has to offer. With its countless upgrades, generous lot, and impressive energy savings, this move-in-ready Birchwood gem offers a wonderful combination of charm, functionality, and modern living!

104 Carter Drive, Bellingham

Listing Broker: Bellwether Real Estate; Margaret Warner; 360-525-0120; warner.margaret@gmail.com

3019 Northwest Avenue, Bellingham
$599,000
2 Beds ⋅ 1 Baths ⋅ 2600948 MLS ⋅ ACTIVE Status
**Vintage Charm, Convenient Location & Endless Possibilities!** Built in 1930, this 2 bedroom, 1 bath home offers 1,224 sq ft of character, featuring original hardwood floors, beautiful wood built-ins, crystal doorknobs, and a living room with a wood-burning fireplace. The flexible floor plan includes formal dining, a kitchen with breakfast nook with room to expand, plus a 306 sq ft basement with laundry and storage. Enjoy the charming outdoor spaces with a covered front porch and back patio, hot tub wired, partially fenced yard, two sheds, and alley access with parking for four vehicles. Situated on a .11 acre lot along Northwest Drive, offering excellent visibility and convenient access to shopping, restaurants, and public transit. Restore its vintage charm, explore home-based business possibilities, or investigate future redevelopment potential under Bellingham’s middle-housing regulations. Bring your imagination and discover the possibilities!

3019 Northwest Avenue, Bellingham

Listing Broker: John L. Scott Bellingham; Crissy Impero; 360-393-7384; crissyimpero@johnlscott.com

2 Western Lane, Bellingham
$473,999
3 Beds ⋅ 3 Baths ⋅ 2600939 MLS ⋅ ACTIVE Status
Live where every day feels like a getaway! This home is located in a sought-after community with outstanding amenities and an easy, active lifestyle. Enjoy access to a golf course, marina, beaches, swimming pools, gym, clubhouse, and more. Whether you love morning walks along the water, afternoons on the golf course, or evenings watching the sunset at the beach, you’ll find it all just minutes from your door.The level lot and flat sacess to main treets make getting around easy, while convenient community mailboxes, ample parking, and nearby bus service on Route 512 add to the home’s everyday convenience.Inside, you’ll find a comfortable bright home. This three bedroom, 2.5 bathroom home offers over 1500 ft.² with two living areas. The home features a cozy wood-burning fireplace that can be converted to propane, and the new electric stove also has propane capability for future flexibility. A new microwave and dishwasher!The exterior has been freshly cared for with the driveway, deck, gutters, and roof pressure washed, helping the home shine and making it move-in ready. With affordable monthly dues of just $167.21, you’ll enjoy an incredible combination of recreation, convenience, and community.Come experience the lifestyle that makes this neighborhood one of the area’s most desirable places to call home!

2 Western Lane, Bellingham

Listing Broker: eXp Realty; Laurie Kelly; 360-739-8031; laurie@blu.ink

1211 Humboldt Street, Bellingham
$515,000
3 Beds ⋅ 2 Baths ⋅ 2600880 MLS ⋅ ACTIVE Status
Exceptional investment opportunity in the heart of Bellingham! Ideally situated within walking distance of shopping, parks, WWU, downtown, and more. The City of Bellingham has confirmed the property’s eligibility for up to two accessory dwelling units (ADUs), subject to applicable development requirements, offering outstanding potential for future expansion and rental income. This classic Bellingham home has undergone extensive renovations, making it a turnkey primary residence or investment property. The main level features a versatile floor plan with a third bedroom or optional dining room, a full bathroom, dedicated laundry room, and convenient access to the back deck and yard from the kitchen. Upstairs offers two additional bedrooms and a second full bathroom. Outside, enjoy an expansive backyard with alley access, a large new storage shed, and ample space for future possibilities. An exceptional combination of location, flexibility, and investment potential!

1211 Humboldt Street, Bellingham

Listing Broker: Keller Williams Western Realty; Richard E Crane; 360-790-2240; Richardecrec@gmail.com

2325 Williams Street, Bellingham
$625,000
2 Beds ⋅ 1 Baths ⋅ 2600910 MLS ⋅ ACTIVE Status
Charming Craftsman in Bellingham’s historic Columbia neighborhood! This inviting 2-bedroom, 1-bath home blends timeless character with thoughtful updates and an open, comfortable layout. Classic built-ins and oak floors add warmth and personality, while the updated bathroom brings a fresh, modern touch. The open living spaces create an easy flow for everyday living and entertaining, making the most of every square foot. Wonderful level and fenced yard perfect for gardening or lawn games. Patio with hot tub hook ups or great space to gather around a firepit. Extra storage, office space, or bonus room in the partially finished basement. Great workshop space or bike storage in the shed off the alley. Enjoy the charm of an established neighborhood with the convenience of being just minutes from downtown Bellingham, local shops, restaurants, parks, and neighborhood favorites. A wonderful opportunity to own a piece of Columbia’s character and charm!

2325 Williams Street, Bellingham

Listing Broker: John L. Scott Bellingham; Jen Sandoval; 360-223-2564; jensandoval@johnlscott.com

4000 Flynn Street Unit #108, Bellingham
$195,000
3 Beds ⋅ 2 Baths ⋅ 2598636 MLS ⋅ ACTIVE Status
Welcome to 4000 Flynn St. #108, this home features 3 bedrooms and 2 full baths, primary bath has a great garden tub for relaxing, big living room with lots of built-ins, good size dining room for meals, this home also features covered porches for those days when you want to venture outside, shed for all your miscellaneous items, double pane windows, washer and dryer included as well, Whatcom Falls Park is a block away as well as Blodel Donovan Park where you can enjoy the beach or launch your boat, bus access is close by, the space rent is among the lowest in the city $600 and is one of only a couple of family parks in the area, pet friendly, also this home is financeable and ready to become your home, come check it out.

4000 Flynn Street Unit #108, Bellingham

Listing Broker: Realogics Sotheby's Int'l Rlty; Daniel M Cohn; 360-739-1497; dancohn16@gmail.com

1609 Fourth Street, Bellingham
$899,000
2600505 MLS ⋅ ACTIVE Status
Rare opportunity to own a spectacular view property in the heart of Fairhaven. This exceptional vacant lot offers unobstructed, breathtaking views of Bellingham Bay and the San Juan Islands, providing the perfect backdrop for your future dream home. Enjoy the best of Pacific Northwest living with scenic trails, charming shops, restaurants, and all the amenities of historic Fairhaven just steps away. Imagine taking in spectacular sunsets over the bay and islands from your custom-designed home while enjoying the convenience of this highly sought-after neighborhood. All city services are available in the street. Opportunities to secure a view property in such a desirable location are few and far between. Bring your vision and create something truly special! Buyer to verify all information to their satisfaction, including zoning, utilities, building requirements, and development feasibility.

1609 Fourth Street, Bellingham

Listing Broker: Bellwether Real Estate; Renae Ingraham; 360-319-0164; renae@bellwetherrealestate.com

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Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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