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

$1,295,000
3 Beds ⋅ 3 Baths ⋅ 2571023 MLS ⋅ ACTIVE Status
Perched above Bellingham Bay, this thoughtfully reimagined Southside residence pairs sweeping water views with the quiet luxury of a home designed to be lived in. The main-level primary suite feels like a private wing: a double-sided fireplace anchors the bedroom and spa-inspired bath, dual closets, and direct deck access—sunrise coffee and evening air, just steps from the bed. At the heart of the home, a striking kitchen in warm walnut cabinetry balances natural texture with clean, modern lines, opening to gathering spaces made for long dinners and easy conversation. Outside, an expansive deck frames some of the finest sunsets in the Pacific Northwest. A fully fenced yard and established garden area extend the living space, offering rare privacy without sacrificing light. Below, a daylight basement offers flexible square footage—guest quarters, studio, media room, or home office—while the two-car garage with EV charging brings modern convenience to a home rooted in craftsmanship. Minutes from Fairhaven's historic streets and downtown Bellingham's restaurants and waterfront trails, the setting offers equal measures of connection and calm. A rare opportunity to own a truly exceptional property.

314 Morey Avenue, Bellingham

Listing courtesy of Muljat Group.

$575,000
2 Beds ⋅ 2 Baths ⋅ 2570562 MLS ⋅ ACTIVE Status
If you’ve been looking for country living with convenient access to Bellingham, look no further. Welcome to 5594 Sand Rd! A cute 2-bed, 2-bath, 1,008 sqft home with a shop on a level, private acre. Step inside from the new Trex deck into a living room where built-ins and character from the home’s original design meet thoughtful updates throughout. The spacious kitchen offers loads of cabinet and counter space, stainless steel appliances, and an adjoining dining area perfect for meals around the table. The primary suite features a no-step shower and opens directly onto the back Trex deck, while a dedicated laundry/mudroom helps keep the rest of the home organized and clean. The entire home has been tastefully remodeled, with a large 832 sqft unfinished basement offering plenty of room to make it your own. Outside, the yard is full of character, with swings, open space, and room for garden beds, fruit trees, a flower farm, chickens, or whatever your version of homesteading looks like. The 864 sqft shop is the perfect spot to park a boat, work on projects, and take advantage of additional attic storage above. If you envision peace and quiet in the Whatcom County countryside, coffee on the deck, meals around the table, time in the yard, projects in the shop, and growing some of your own food, all while being just 13 minutes from a date night in Bellingham’s Barkley neighborhood, come see 5594 Sand Rd in person today!

5594 Sand Road, Bellingham

Listing courtesy of COMPASS.

$755,000
3 Beds ⋅ 3 Baths ⋅ 2571056 MLS ⋅ ACTIVE Status
Surrounded by peaceful evergreen nature- brand NEW, no-step entry, 3 bedroom, 2,800+ sq. ft. home designed with timeless country inspired charm. Crafted with live-edge wood shelving, custom closets, and elegant finishes throughout the home blends warmth with modern convenience. The spacious open-concept layout is perfect for both everyday living and entertaining featuring quartz countertops, stainless steel appliance, abundant cabinet storage, and a dedicated pantry room for exceptional organization. Retreat to the luxurious primary suite, complete with a soaking tub designed for relaxation and comfort. Every detail of this QUALITY BUILT home is to create a peaceful,functional and inviting living experience. Easy gate access to home and the desired Sudden Valley community offering amazing amenities such as access to parks, scenic trails, marina, boat launch, beautiful golf coarse, and more!

13 Deer Run Lane, Bellingham

Listing courtesy of ONE Realty.

$739,000
4 Beds ⋅ 3 Baths ⋅ 2566861 MLS ⋅ ACTIVE Status
Welcome to this spacious 4-bedroom, 2.5-bath home with a bonus room, nestled on a private 1.5-acre lot. Conveniently located just minutes from the freeway, this home offers the perfect blend of privacy and easy access to everyday amenities. The main floor features an open, airy layout with a comfortable living room that flows seamlessly into the kitchen and dining area—perfect for entertaining or everyday living. Step outside onto the private back patio and enjoy the peaceful surroundings. Upstairs, you’ll find a spacious primary suite complete with a walk-in closet and attached full bathroom. Three additional bedrooms and a large bonus room provide plenty of space for guests, a home office, hobbies, or a playroom. With room both inside and out, this private acreage property is one you won’t want to miss!

1244 Lake Samish Road, Bellingham

Listing courtesy of Coldwell Banker Bain.

$960,000
4 Beds ⋅ 4 Baths ⋅ 2560984 MLS ⋅ ACTIVE Status
A North Hills neighborhood gem! This Silver Beach/Barkley area home has so much space yet cozy in every area, with great floor plan and flow. Soaring ceilings greet you in the entry, formal dining area with pass-through window to the gourmet kitchen with granite countertops, stainless steel appliances and Frigidaire range. Counter seating, dining area, and main living room with a gas fireplace. 3/4 bath powder room, cozy reading corner with additional gas fireplace and office or potential fourth bedroom all on the main floor. Upstairs primary with ensuite bath, jetted tub, walk in closet, and balcony for coffee or cocktails. Two additional bedrooms and full bath upstairs as well. Downstairs finished basement area has Airbnb or MIL potential with breakfast nook, kitchen with range, wine storage, and 3/4 bathroom. Separate entrance into the sound-insulated theatre room, as well as a huge shop, staging, and storage area. Shop even has a built-in dust collection system with vacuum hookup! Whole house sound system with architectural speakers, huge back deck plumbed with gas, backyard garden space, and an additional patio with working lamppost. New top of the line ERV heat pump/AC, smart home ready features throughout. Fantastic schools, great location, and southern views to the Chuckanut mountains. This home is stunning and just keeps going. Don’t miss out!

3766 Megan Lane, Bellingham

Listing courtesy of Fathom Realty WA LLC.

$805,000
3 Beds ⋅ 2 Baths ⋅ 2569696 MLS ⋅ ACTIVE Status
DOUBLE LOT-1 ACRE! SELLER FUNDED 2/1 BUYDOWN plus LENDER CREDIT OF .75% OF MORTAGE LAON AMOUNT for QUALIFIED BUYERS when you use Seller's Preferred Lender. Take in this stunning renovated 3 bedroom, 2 bath home while enjoying rural living without the maintenance of large acreage, this move-in ready home combines modern upgrades, functional space, & the privacy buyers are searching for in North Whatcom County. This home lives like new construction; ALL NEW roof, gas forced air heat, electric central AC, luxury vinyl plank & tile flooring, interior and exterior paint, lighting, interior and exterior doors, and more. The stunning kitchen features shaker cabinetry, quartz countertops, full tile backsplash, large island and black stainless-steel appliances. The oversized primary suite offers flexible space for exercise, TV/sitting area, or home office. The beautifully designed ensuite includes a double vanity and spa-like large tile walk-in shower with dual shower heads. Additional highlights include a second fully remodeled bathroom & dedicated laundry room. There's room to garden, build a shop or ADU, and entertain. Easy access to Bellingham, Ferndale, Lynden and the Canadian border. BACK 1/2 ACRE OF THIS PROPERTY IS A BUILDABLE LOT (buyer to verify) for investment opportunities now or in the future. To Qualify for 2/1 Buydown and Lender Credit, must be full price offer and meet Lender Qualifications.

323 W King Tut Road, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

$659,900
4 Beds ⋅ 4 Baths ⋅ 2557371 MLS ⋅ ACTIVE Status
Welcome to Caliber Court, a new townhome community featuring modern design and functional living spaces. Special lender financing available—receive a 1% credit of the loan amount! This corner-unit home offers 4 bedrooms, a dedicated office, 3 baths, a private courtyard, a 2-car garage, and a driveway for additional parking. The entry level features a spacious bedroom with an en-suite bath, perfect for guests, a secondary primary suite, or flex space. The main level includes a private office, half bath, laundry, and an open-concept kitchen, dining, and living area with access to a covered deck. The kitchen is appointed with quartz countertops, a tile backsplash, stainless steel appliances, and ample cabinet space. The upper level features the primary suite with dual closets and an attached bath with a tiled walk-in shower. Two additional bedrooms and a full bath complete the third floor. Enjoy contemporary finishes, flexible living spaces, and low-maintenance living in this thoughtfully designed new construction home at Caliber Court.

219 Prince Avenue Unit #101, Bellingham

Listing courtesy of Coldwell Banker Bain.

$649,900
4 Beds ⋅ 4 Baths ⋅ 2557366 MLS ⋅ ACTIVE Status
Welcome to Caliber Court, a new townhome community featuring modern design and functional living spaces. Special lender financing available—receive a 1% credit of the loan amount! This interior-unit home offers 4 bedrooms, a dedicated office, 3 baths, a private courtyard, and a 2-car garage with additional driveway parking. The entry level features a spacious bedroom with an en-suite bath, ideal for guests, a secondary primary suite, or flex space. The main level includes a private office, half bath, laundry, and an open-concept kitchen, dining, and living area with access to a covered deck. The kitchen is appointed with quartz countertops, a tile backsplash, stainless steel appliances, and ample cabinet space. The upper level features a spacious primary suite with dual closets and an attached bath with a tiled walk-in shower. Two additional bedrooms a full bath and laundry room complete the third floor. Thoughtfully designed with contemporary finishes, flexible living spaces, and low-maintenance living, this new construction townhome offers comfort, style, and convenience at Caliber Court.

219 Prince Avenue Unit #103, Bellingham

Listing courtesy of Coldwell Banker Bain.

$649,900
4 Beds ⋅ 4 Baths ⋅ 2557369 MLS ⋅ ACTIVE Status
Welcome to Caliber Court, a new townhome community featuring modern design and functional living spaces. Special lender financing available—receive a 1% credit of the loan amount! This interior-unit home offers 4 bedrooms, a dedicated office, 3 baths, a private courtyard, and a 2-car garage with additional driveway parking. The entry level features a spacious bedroom with an en-suite bath, ideal for guests, a secondary primary suite, or flex space. The main level includes a private office, half bath, laundry, and an open-concept kitchen, dining, and living area with access to a covered deck. The kitchen is appointed with quartz countertops, a tile backsplash, stainless steel appliances, and ample cabinet space. The upper level features a spacious primary suite with dual closets and an attached bath with a tiled walk-in shower. Two additional bedrooms a full bath and laundry room complete the third floor. Thoughtfully designed with contemporary finishes, flexible living spaces, and low-maintenance living, this new construction townhome offers comfort, style, and convenience at Caliber Court.

219 Prince Avenue Unit #102, Bellingham

Listing courtesy of Coldwell Banker Bain.

$649,900
4 Beds ⋅ 4 Baths ⋅ 2557361 MLS ⋅ ACTIVE Status
Welcome to Caliber Court, a new townhome community featuring modern design and functional living spaces. Special lender financing available—receive a 1% credit of the loan amount! This interior-unit home offers 4 bedrooms, a dedicated office, 3 baths, a private courtyard, and a 2-car garage with additional driveway parking. The entry level features a spacious bedroom with an en-suite bath, ideal for guests, a secondary primary suite, or flex space. The main level includes a private office, half bath, laundry, and an open-concept kitchen, dining, and living area with access to a covered deck. The kitchen is appointed with quartz countertops, a tile backsplash, stainless steel appliances, and ample cabinet space. The upper level features a spacious primary suite with dual closets and an attached bath with a tiled walk-in shower. Two additional bedrooms a full bath and laundry room complete the third floor. Thoughtfully designed with contemporary finishes, flexible living spaces, and low-maintenance living, this new construction townhome offers comfort, style, and convenience at Caliber Court.

219 Prince Avenue Unit #104, Bellingham

Listing courtesy of Coldwell Banker Bain.

$659,900
4 Beds ⋅ 4 Baths ⋅ 2557340 MLS ⋅ ACTIVE Status
Welcome to Caliber Court, a new townhome community featuring modern design and functional living spaces Special lender financing available—receive a 1% credit of the loan amount! This corner-unit home offers 4 bedrooms, a dedicated office, 3.5 baths, a private courtyard, a 2-car garage, and a driveway for additional parking. The entry level features a spacious bedroom with an en-suite bath, perfect for guests, a secondary primary suite, or flex space. The main level includes a private office, half bath, laundry, and an open-concept kitchen, dining, and living area with access to a covered deck. The kitchen is appointed with quartz countertops, a tile backsplash, stainless steel appliances, and ample cabinet space. The upper level features the primary suite with dual closets and an attached bath with a tiled walk-in shower. Two additional bedrooms, a full bath and laundry room complete the third floor. Enjoy contemporary finishes, flexible living spaces, and low-maintenance living in this thoughtfully designed new construction home at Caliber Court.

219 Prince Avenue Unit #105, Bellingham

Listing courtesy of Coldwell Banker Bain.

$449,000
2 Beds ⋅ 1 Baths ⋅ 2568747 MLS ⋅ ACTIVE Status
Classic 1924 charm meets modern convenience! Skip the condo rules and HOA dues—this standalone single-family home offers a rare, accessible opportunity to own a private piece of Bellingham in a highly desirable neighborhood with a great school district. Bursting with vintage character, the interior showcases refinished original hardwood floors paired with brand-new interior paint throughout for a light, crisp, and move-in-ready feel. Big-ticket improvements provide total peace of mind, including a roof installed in fall of 2020 and a new hot water tank. The open main level offers a seamless flow through the airy living area, kitchen, and full bath, complemented by smart built-in storage between bedrooms. Upstairs, discover a versatile bonus finished attic space (not included in total square footage)—an ideal layout for a quiet home office, creative studio, or extra storage. Step through the sliding glass doors onto the side deck and relax in your private, fully fenced yard, complete with outdoor storage sheds. Features off-street parking for 4+vehicles or an RV. Unbeatable proximity to local shopping, dining, bus routes, hospital and beyond quick I-5 access. A cozy, character-rich gem.

1510 E Sunset Drive, Bellingham

Listing courtesy of Coldwell Banker Bain.

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