Bellingham Homes with VA Loan Terms

Bellingham Homes with VA Loan Terms

Located in the beautiful state of Washington, Bellingham is a vibrant city that offers a high quality of life and a wide range of amenities. Situated in Whatcom County, Bellingham is known for its stunning natural beauty, thriving arts scene, and strong sense of community.

As a real estate destination, Bellingham has a lot to offer. With its proximity to the Canadian border and the stunning backdrop of the Cascade Mountains, it is a haven for outdoor enthusiasts. The city boasts numerous parks, hiking trails, and waterfront areas, making it an ideal location for those who enjoy an active lifestyle.

One of the key aspects of the real estate market in Bellingham is the availability of homes with VA loan terms. VA loans are a type of mortgage loan that is exclusively available to veterans, active-duty service members, and eligible surviving spouses. These loans offer competitive interest rates and flexible terms, making homeownership more accessible for those who have served our country.

If you are a veteran or an active-duty service member looking to purchase a home in Bellingham, you can take advantage of the VA loan program to make your dream of homeownership a reality. With a wide range of homes available in various neighborhoods, you can find the perfect property that suits your needs and preferences.

Whether you are drawn to Bellingham for its natural beauty, strong sense of community, or the availability of homes with VA loan terms, this city has something for everyone. Explore the real estate market in Bellingham and discover the perfect place to call home.

Newest Bellingham Homes with VA Loan Terms

$330,000
2 Beds ⋅ 2 Baths ⋅ 2568115 MLS ⋅ ACTIVE Status
Welcome to Cypress Condominiums, a gated, secure-entry community in Bellingham's desirable Happy Valley neighborhood (between Downtown & Fairhaven). This beautifully cared-for ground-floor 2-bedroom, 2-bathroom condo provides effortless single-level living with no stairs or elevator. Bright, open floor plan features a spacious living area with a corner fireplace and a private patio—perfect for morning coffee, outdoor dining, or BBQ. The kitchen features natural wood cabinetry, granite countertops, tile backsplash, stainless steel appliances, and tile flooring that continues into the entryway. The thoughtful split-bedroom layout places the primary suite on one side with a full ensuite bath, while the second bedroom and full guest bath are positioned on the opposite side for privacy and flexibility. The guest bath also houses a full-size newer washer and dryer (2023). Recent improvements: newer manufactured bamboo hardwood flooring (2024), new 40-gallon water heater (2023), and upgraded ceiling fans with remote controls.

690 32nd Street Unit #B107, Bellingham

Listing courtesy of RE/MAX Whatcom County, Inc..

$921,400
3 Beds ⋅ 4 Baths ⋅ 2568094 MLS ⋅ ACTIVE Status
Experience the best of Bellingham living in this tremendous home near Lake Padden Park and Fairhaven. Enjoy miles of nearby trails including Lake Padden Park access trail 400 feet down 36th, easy access to recreation, and sweeping views of Bellingham Bay from your own deck. With 3 bedrooms and 3.25 baths, this residence offers comfort and flexibility — ideal for multigenerational living, multiple home office setups or just bonus space. The main level features hardwood floors, a spacious great room, and a deck perfect for sunset gatherings around a fire. The kitchen and baths showcase quality tile finishes, while the primary suite offers a luxurious walk in shower and skylights that fill the space with natural light. Forced air heating and air conditioning ensure year round comfort. The garage is currently used as a gym, and the yard and deck have been thoughtfully upgraded for outdoor enjoyment. With its fabulous location, modern amenities, and recreational lifestyle, this home captures the essence of Northwest living — convenience, beauty, and adventure all in one. Come see today!

2316 36th, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

$462,500
1 Beds ⋅ 1 Baths ⋅ 2568103 MLS ⋅ ACTIVE Status
This sweet 1-bedroom Craftsman sits on a level lot in the heart of the Columbia neighborhood. The bright interior offers a comfortable living space perfect for everyday living. Outside, enjoy the flat, partially fenced backyard and a detached storage building. Lots of off-street parking and possibilities for infill. Ideally located within walking distance of local breweries, shops, grocery, dining, parks, trails, and green space. Whether it's for your Primary residence, an Investment play, or a first-time buy with upside, the location is right, and the potential is real.

2422 Kulshan Street, Bellingham

Listing courtesy of ONE Realty.

$759,000
2 Beds ⋅ 2 Baths ⋅ 2567921 MLS ⋅ ACTIVE Status
RARE OPPORTUNITY - Beautifully renovated residence URMX mixed-use zoning, offering flexibility to live, work, and create a space tailored to your vision. Extensively remodeled in 2020, the 2,400 sq ft single-level floor plan features 2 bd, 2 bth w/ walk-in showers, smart home technology, AC, and high-end finishes throughout. Formerly a boat repair business, the property has been thoughtfully reimagined as a stunning residence while retaining the flexibility of its unique mixed-use zoning. A standout feature is the expansive second living area with a large gas fireplace, oversized utility room with refrigerator, washer/dryer, abundant counter space, and private separation from the main living spaces; ideal as additional living space, home office, creative studio, showroom, or to explore future ADU potential. Bring your imagination to this versatile URMX-zoned property and explore the many possibilities for a live/work lifestyle or other permitted uses. Outside, enjoy a fully fenced, landscaped yard with irrigation, gazebo, expansive parking area, EV/RV hookup, two RV-height carports, and shipping-container storage with air compressor. Secure, private lot provides ample room for parking, storage, recreational vehicles, hobbies, & more. Ideally situated just a short distance to downtown, Little Squalicum Park, Squalicum Beach, Locust Beach, and local services. Buyer to verify all permitted uses, occupancy requirements, applicable building/code requirements with Whatcom County

3275 Bennett Drive, Bellingham

Listing courtesy of Bellwether Real Estate.

$695,000
4 Beds ⋅ 3 Baths ⋅ 2567853 MLS ⋅ ACTIVE Status
A spacious entry welcomes you into this two-level, 4-bedroom home built for both everyday living and hosting. Upstairs, oak hardwood floors flow through an open living, dining, and kitchen space, with a cozy gas fireplace. The primary suite impresses with vaulted ceilings, a walk-in closet, and an ensuite bath — plus a second bedroom and bathroom on this level. Downstairs offers flexible living space with a sliding door out to the backyard, additional bedrooms, and a large laundry room. Brand new furnace, AC, carpet, and paint make this home truly move-in ready. Outside, the large, flat, fully fenced backyard is an entertainer's dream, framed by mature landscaping and a second-level deck that catches the morning sun. Tucked into South King Mountain, you're minutes from Sunset Square and I-5, with the new Sunset Pond trail loop and Bay to Baker connector right out your door. Pre-inspected and ready for its new owner!

3610 Lemon Grove Drive, Bellingham

Listing courtesy of Bellingham Real Estate Company.

$645,000
3 Beds ⋅ 3 Baths ⋅ 2567715 MLS ⋅ ACTIVE Status
Major renovations completed in 2018 transformed the home with an updated kitchen featuring new appliances, countertops, and lighting, while beautiful maple hardwood flooring and a cozy gas fireplace were added to the main living area. Tucked away on a quiet, secluded street, this Sudden Valley charmer has so much to offer. Surrounded by meticulous landscaping and abundant privacy, you’ll have no shortage of places to relax—whether it’s the front patio, kitchen deck, or lower deck. Step inside to a thoughtfully designed split-level floor plan offering excellent flexibility, including potential for multigenerational living. Upstairs, you’ll find a spacious primary suite featuring a walk-in closet and a generously sized ensuite bathroom complete with dual sinks, abundant storage, and a walk-in tile shower. The inviting living room flows seamlessly into the formal dining room and updated kitchen, which offers an eating area and access to a private upper deck. Downstairs, you’ll discover a second living area, a full bedroom, and a full bathroom, along with access to another private deck. The oversized garage features a new garage door, a new water heater, and a top-of-the-line Mitsubishi heat pump, providing efficient year-round heating and cooling

192 Harbor View Drive, Bellingham

Listing courtesy of Keller Williams Western Realty.

$1,135,000
3 Beds ⋅ 4 Baths ⋅ 2567657 MLS ⋅ ACTIVE Status
Welcome home. Set on nearly 9 acres of gorgeous county land, this thoughtfully updated property is the real deal. The chef's kitchen and custom bathrooms alone will win over even the pickiest buyers, and that's just the start.There's a massive shop, a horse barn, a sauna, and a detached gym/flex space that would make an incredible artist studio — the possibilities here are wide open. Plant lovers will especially appreciate the attached solarium, a bright, year-round spot to grow just about anything. Picture your evenings out on the deck, watching the Canadian mountains do their thing.This home was remodeled down to the studs in most areas, and it shows: radiant heat, AC, an ERV system, and state-of-the-art water filtration, plus updated electrical, plumbing, and windows. Nothing here is an afterthought.And as a bonus — the property abuts Lee Way, opening the door to additional access and future expansion.

2344 Mt Baker Highway, Bellingham

Listing courtesy of Muljat Group.

$949,000
3 Beds ⋅ 3 Baths ⋅ 2567343 MLS ⋅ ACTIVE Status
LOCATION, LOCATION, LOCATION! Experience living moments from unparalleled Fairhaven and 100 acre woods parks, swim club and a great local beach. Find yourself at home in this lovingly updated estate in the popular Edgemoor neighborhood. Enjoy the open floorplan, gorgeous luxury vinyl plank flooring and entertainer's kitchen, with thoughtful storage throughout. Connect with guests at the bar top seating with space for more at the adjacent dining room. Daylight from plentiful windows at every angle, complete with modern shades, supplemented by excellent modern lighting. Cozy up to your gas fireplace in the family room or access the backyard from the deck or through side yards. Primary bedroom on the main floor with ample space, designer bathroom includes glass surround shower and dual sink. Main bathroom boasts designer finishes and a Maxx soaker tub. Daylight basement is expansive with HUGE rec room, a LARGE bonus room perfect for games or movies (maybe add a window well/ convert to 4th BR). Second smaller room, maybe a play room/ office! Third legal bedroom is downstairs along with 3/4 bath and wet-bar/fridge. Glassdoor to backyard patio and a large, flat, very private fully fenced yard, perfect for pets or other activities. Connect w/ city on potential for MIL/ DADU etc. Well maintained, boasting a metal roof, new paint, brand new carpets throughout and new garage door. Situated on a quiet and friendly cul-de-sac. Seller offering 1% interest rate buy down for accepted Buyer!

307 Willow Court N, Bellingham

Listing courtesy of KW Greater Seattle.

$799,900
3 Beds ⋅ 2 Baths ⋅ 2567322 MLS ⋅ ACTIVE Status
Here's a Bellingham Mini-farm within close distance to downtown-a rare combination! The big, level, well drained lot comes with a very well maintained Craftsman home, big detached workshop, separate garage, even a root cellar! There's 3 bedrooms with 1.75 baths and an amazing kitchen, fir floors and fir trim in the separate dining room, living room and the downstairs bedroom. The light and bright breakfast nook and the electric fireplace insert for ambiance are a nice touch...and the very desirable radiant hot water baseboard heat is quiet and efficient. The huge woodshop (26 x 41) is a great place to create whatever you'd like...maybe even a future ADU? Store your cars and bikes in the garage, and the root cellar is handy too. The home sits far off the road, and the backyard goes on forever. There are raised beds, a greenhouse, and a great place to raise your furry or feathered friends onsite amongst greenery, fruit trees and flowers. A brand new roof on the home, newer boiler for radiant heat, and extensive landscaping and flowers completes this dream place. Future development options abound-the city says you can add an additional FOUR to SIX units on this site if that's your idea.

2715 Cedarwood Avenue, Bellingham

Listing courtesy of RE/MAX Whatcom County, Inc..

$699,000
3 Beds ⋅ 3 Baths ⋅ 2566155 MLS ⋅ ACTIVE Status
Welcome to this stunning 3-bedroom, 2.5-bathroom home where modern style meets the beauty of the Pacific Northwest. Thoughtfully designed with elegant, high-end finishes and a sophisticated contemporary aesthetic, this home offers the perfect balance of comfort and style. The unfinished basement presents incredible flexibility, featuring a separate entrance and endless potential to create a private ADU, guest suite, home office, or spacious bonus room. Situated on a rare double lot, you'll enjoy added privacy while being surrounded by towering trees and natural beauty. Experience peaceful living just 15 minutes from shopping, dining, and everyday conveniences, with lakes, private beaches, scenic trails, parks, playgrounds, a golf course, community pool, library, and fitness center all just minutes from your doorstep. This exceptional property offers a unique opportunity to enjoy a tranquil lifestyle without sacrificing convenience

7 Maple Court, Bellingham

Listing courtesy of Coldwell Banker Bain.

$579,900
2 Beds ⋅ 2 Baths ⋅ 2566684 MLS ⋅ ACTIVE Status
Welcome to this brand-new home located in one of Bellingham’s most desirable neighborhoods! Currently under construction, this thoughtfully designed 2-story home combines modern finishes with a functional and inviting layout. The main level offers a comfortable living room, dining area, and kitchen with an open flow that’s perfect for everyday living and entertaining. Upstairs, you’ll find the primary bedroom, full bath, and conveniently located utility room. Features include vinyl plank flooring, wall-to-wall carpet, double-pane windows, and efficient ductless mini-split heating and cooling. Situated on a level 5,463 sq. ft. lot with a patio, alley access, sidewalks, paved streets, and city utilities. Ideally located near schools, parks, shopping, dining, and all that Bellingham has to offer, this new construction home is a great opportunity to enjoy modern, low-maintenance living in a highly sought-after neighborhood.

2513 Kulshan Street, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

$1,149,000
4 Beds ⋅ 4 Baths ⋅ 2566661 MLS ⋅ ACTIVE Status
Welcome to this exceptional new construction home in one of Bellingham’s most desirable neighborhoods! This thoughtfully designed 2-story residence offers 4 bedrooms plus a bonus room, including two primary suites with one on the main floor and one upstairs, 3.5 bathrooms, and 2,508 sq. ft. of finished living space. The spacious kitchen features quality finishes, a walk-in pantry, and an easy flow into the main living area, perfect for everyday living and entertaining. Enjoy the convenience of a main-floor primary suite complete with a private bath and walk-in closet. A standout feature is the potential for a roughed-in 400 sq. ft., 1-bedroom, 1-bath ADU above the detached 2-car garage, offering excellent flexibility for rental income, guests, multigenerational living, or a home office. Conveniently located near schools, parks, shopping, dining, and I-5 access, this brand-new Bellingham home offers comfort, versatility, and modern living in a great location.

2519 Kulshan Street, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

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