Birch Bay Homes with FHA Terms

Birch Bay Homes with FHA Terms

Welcome to Birch Bay, a charming coastal community located in Whatcom County, Washington. Known for its stunning views of the bay and close-knit community atmosphere, Birch Bay offers a peaceful retreat for those looking to escape the hustle and bustle of city life.

The real estate market in Birch Bay includes a variety of homes with FHA terms, making it easier for first-time homebuyers and those with limited down payments to achieve their dream of homeownership. With FHA financing options available, potential buyers can take advantage of lower down payment requirements and competitive interest rates, making purchasing a home in Birch Bay more accessible than ever.

Whether you're looking for a cozy beachfront cottage or a spacious family home, Birch Bay has something to offer for everyone. From waterfront properties with panoramic views to secluded retreats surrounded by nature, the real estate options in Birch Bay are as diverse as the community itself.

If you're ready to make Birch Bay your home, explore the available properties with FHA terms and start your journey towards owning a piece of this picturesque coastal paradise. With its idyllic setting, friendly community, and convenient FHA financing options, Birch Bay is the perfect place to find your forever home.

Newest Birch Bay Homes with FHA Terms

$490,000
4 Beds ⋅ 3 Baths ⋅ 2568889 MLS ⋅ ACTIVE Status
Price update! Price reduced and sellers now offer up to $5,000 in seller paid closing costs! Welcome to this well-kept and affordably priced 4-bedroom, 2.5-bath home in the desirable Bay Crest neighborhood of Birch Bay. The thoughtfully designed floor plan offers plenty of space to spread out, with a downstairs bedroom that provides flexibility as a guest room, home office, hobby space, or additional living area. Head upstairs to find the rest of the bedrooms, including the master with ensuite bathroom and walk-in closet. The property features a private, fully fenced back yard with a large deck, great for entertaining, gardening, and pets. Enjoy being within walking distance of the beach and nearby walking trails as well as downtown Birch Bay, making it easy to take advantage of the area's natural beauty and relaxed coastal lifestyle.

7364 Clamdigger Drive, Birch Bay

Listing courtesy of HomeSmart One Realty.

$89,950
2 Beds ⋅ 1 Baths ⋅ 2563748 MLS ⋅ ACTIVE Status
Come see this newly renovated home at Ponderosa Estates! This contemporary design has been remodeled from top to bottom starting with a new roof, new furnace, double pane windows, hot water heater, modern light fixtures, carpet and LVP flooring. Large bathroom has been fully renovated as well. The affordable home boasts an amazing location just minutes from Birch Bay and nestled within a 23 acre park! Take a walk to the beach, cafes, restaurants, parks and trails! And do not miss the amazing sunsets! Welcome home!

4672 Birch Bay Lynden Road Unit #61, Birch Bay

Listing courtesy of Keller Williams Realty PS.

$1,076,000
4 Beds ⋅ 3 Baths ⋅ 2556492 MLS ⋅ ACTIVE Status
Welcome to Horizon, Blaine’s premier gated community, where exceptional design, privacy, and everyday luxury come together in this beautifully maintained, nearly new home. Built in 2024, this impressive residence offers over 3,100 square feet of thoughtfully designed living space featuring 4 bedrooms, 2.5 baths, a dedicated office, spacious bonus room, and an oversized 3-car garage. A dramatic two-story entry opens to light-filled living spaces where soaring ceilings, expansive windows, and wall-height sliding glass doors create a seamless connection between the indoors and the covered outdoor living area. At the heart of the home, the gourmet kitchen features premium appliances, an oversized island, walk-in pantry, abundant cabinetry, and designer finishes that make everyday living as enjoyable as entertaining. The main-floor primary suite offers a peaceful retreat with a spa-inspired bath, freestanding soaking tub, frameless glass shower, dual vanities, and an oversized walk-in closet. Upstairs, three generous bedrooms and a versatile bonus room provide space for guests, media, fitness, hobbies, or multigenerational living. Premium upgrades, quality craftsmanship, energy-efficient construction, and meticulous care are evident throughout. Located minutes from Birch Bay, Semiahmoo, golf, beaches, parks, dining, and the Canadian border, this move-in-ready home offers a rare opportunity to enjoy. Seller financing may be available depending on down payment and credit.

8479 Camas Drive, Birch Bay

Listing courtesy of COMPASS.

$619,900
3 Beds ⋅ 2 Baths ⋅ 2545993 MLS ⋅ CONTINGENT Status
Welcome to Birch Bay Village, where comfort, privacy, and resort-style amenities come together. This well-maintained single-level Cape Cod-style home offers 3 bedrooms, 1.75 baths, spacious living and dining areas, two cozy gas fireplaces, forced-air heat, central air conditioning for year-round comfort, and a kitchen equipped with newer appliances. The home also includes a generator system, providing added peace of mind. Step outside to an exceptional outdoor living space featuring a beautifully designed patio with a pergola, creating the perfect setting for relaxing, dining, or entertaining. The impeccably landscaped yard showcases irrigation, landscape lighting, a charming white picket fence, and an attractive low-maintenance design. One of this home’s standout features is the rare oversized parking with room for multiple RVs, boats, and additional vehicles. A long private driveway leads to the oversized two-car garage, tucked privately toward the back of the property and complete with extensive shelving, storage, and workspace for hobbies or projects. Enjoy all that Birch Bay Village has to offer, including gated entry with 24-hour security, a marina, golf course, swimming pool, parks, beaches, and a vibrant waterfront lifestyle. This is a rare opportunity to own a beautifully maintained home offering exceptional outdoor living, outstanding parking, and everyday comfort in one of Birch Bay’s most desirable gated communities.

8181 Chehalis Road, Birch Bay

Listing courtesy of eXp Realty.

$87,000
1 Beds ⋅ 1 Baths ⋅ 2549170 MLS ⋅ ACTIVE Status
Welcome to Birch Bay, where the tide rolls out for miles and the sunsets are worth staying for. This fully furnished 2006 park model is turnkey from the moment you walk in — just in time for your PNW summer ahead. Bright, sunlit living space with comfortable seating gives you room to host or simply relax. A heat pump keeps things comfortable through every season, and the bedroom’s adjustable electric bed makes it easy to unwind. Quality utility shed offers plenty of storage opportunity. Spend evenings under the covered awning or in your own secluded front yard after beachcombing, kayaking, or wandering Birch Bay Drive. Tucked behind a gated entrance, Sun Retreats Birch Bay is a tight-knit community with resort-style pools, tennis and pickleball courts, and a clubhouse — with Semiahmoo, Blaine, and the Canadian border just minutes away. Come see Birch Bay living, made easy today.

5001 Bay Road Unit #E45, Birch Bay

Listing courtesy of eXp Realty.

$629,000
3 Beds ⋅ 2 Baths ⋅ 2548340 MLS ⋅ ACTIVE Status
Looking for the perfect turn-key home in Birch Bay Village? Sought-after gated community brimming with amenities—golf course, pickleball/tennis, swimming pool, marina, community parks/beaches & golf cart approved lifestyle! Nearly every inch has been beautifully renovated, offering a light, bright & open floor plan w/vaulted ceilings that creates spacious living. The kitchen is a showstopper- live-edge countertops, stylish tile backsplash, touchless faucet, and newer stainless steel appliances. The seamless flow into the dining and living room makes entertaining effortless and enjoyable w/gas fireplace for cozy winter or A/C in the summer. Primary suite is your private retreat, w/walk-in closet & ensuite bathroom. Thoughtful updates: smart home hot water tank, brand-new roof, sump pump, & updated electrical. Outside, the charm continues with fully fenced yard, mature landscaping, fruit trees, and blueberry bushes. Enjoy peaceful mornings or evenings on the covered back deck or the open patio, overlooking your private, fully fenced backyard oasis. The two-car garage offers ample built-in cabinets and storage—perfect for your golf cart or other essentials. Pack your beach toys and get ready to experience Birch Bay Village at its best. Your dream home awaits! Rarely found so well-appointed at this price—timing and opportunity are yours. All the work has been done on this gem. Virtually staged. Buyer incentive of $6k from Rocket Mortgage as partner of Compass.

8209 Comox Road, Birch Bay

Listing courtesy of COMPASS.

$739,900
3 Beds ⋅ 3 Baths ⋅ 2528325 MLS ⋅ ACTIVE Status
Tucked within the gated Sea Links community in Birch Bay, this custom-built home offers a peaceful setting surrounded by mature landscaping, greenspace, and territorial views. With over 3,500 sqft of living space, the home features a functional floor plan with spacious living areas, soaring ceilings, and windows that fill the home with natural light while showcasing the scenery. Designed with flexibility in mind, the layout lives like two homes in one, ideal for multi-generational living, guests, or extended stays. The kitchen was designed for everyday living and entertaining, offering generous counter space, ample storage, and an open layout connecting to the dining and living areas. Multiple gathering spaces provide flexibility for hobbies, working from home, or entertaining. Easy access to outdoor spaces creates indoor-outdoor living, while the downstairs level includes a secondary laundry hookup and kitchen area. The primary suite offers peaceful views, a large bath, and closet space, with direct access to the sunroom where you can enjoy bay views year-round and views of the 4th of July fireworks. Additional bedrooms and bonus areas provide room to spread out. Air conditioning adds comfort through every season. Sea Links is known for quiet streets, a golf cart-friendly lifestyle and close proximity to Birch Bay’s beaches, trails, restaurants, parks, and sunsets. Located near the Canadian border and I-5 access, this home offers privacy, space, and convenience.

4755 S Golf Course Drive, Birch Bay

Listing courtesy of Windermere RE Whatcom, Inc..

$449,000
3 Beds ⋅ 2 Baths ⋅ 2522497 MLS ⋅ ACTIVE Status
This 2004 manufactured home sits on peaceful California creek with a medium-bank shoreline, just enough for privacy, yet perfect for launching a kayak or casting a line. Sun filters through just the right number of trees, giving you a choice of warm light or cool shade throughout the day. Inside, the home is move-in ready and exceptionally well cared for. New Carpet. Outside, the large lot offers room to breathe, with two quality outbuildings for storage, hobbies, or workspace. Generous parking out front makes hosting easy, and there's ample space to add a garage or carport if you want even more flexibility. Don’t miss this rare blend of comfort, nature, and usable land – ready for your dreams.

4556 California Trail, Birch Bay

Listing courtesy of Weichert Realtors Vanson Assoc.

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