Ferndale Homes with FHA Terms

Ferndale Homes with FHA Terms

Welcome to Ferndale, a charming city nestled in Whatcom County, Washington. Known for its picturesque landscapes and vibrant community, Ferndale offers a perfect blend of small-town charm and modern conveniences.

As you explore the real estate market in Ferndale, you'll find a variety of homes available with FHA terms. Whether you're a first-time homebuyer or looking to invest in property, FHA loans can make homeownership more accessible and affordable. These loans are backed by the Federal Housing Administration, offering competitive interest rates and lower down payment requirements.

From cozy bungalows to spacious family homes, Ferndale has a diverse range of properties to suit every lifestyle. Imagine waking up to stunning views of Mount Baker or enjoying the tranquility of the Nooksack River right in your backyard. With easy access to outdoor recreation, shopping, dining, and top-rated schools, Ferndale is a sought-after destination for homebuyers looking to settle down in a welcoming community.

Whether you're drawn to Ferndale for its natural beauty, thriving economy, or strong sense of community, finding your dream home with FHA terms is a fantastic opportunity to make your real estate goals a reality in this wonderful city. Let us help you navigate the real estate market in Ferndale and discover the perfect home that meets your needs and budget.

Newest Ferndale Homes with FHA Terms

$619,000
4 Beds ⋅ 3 Baths ⋅ 2572962 MLS ⋅ ACTIVE Status
Attractively Priced! Well-maintained 2-story home in desirable Pacific Highlands featuring 4 bedrooms, 2.5 baths, and a 2-car garage on a corner lot. Recent updates include brand-new carpet and fresh interior touch-ups, creating a clean, move-in-ready feel. Built in 2005, this home offers a functional open-concept layout with spacious living and dining areas and a kitchen with center island. Upstairs features all four bedrooms, including a primary suite with en-suite bath and walk-in closet, plus a conveniently located laundry room. Additional bedrooms provide flexibility for a variety of household needs, including a home office, hobby space, or guest accommodations. Enjoy the covered front and rear porches along with a concrete backyard offering versatile outdoor space. Situated on a corner lot, the property offers additional frontage and an open feel. Appliances included: dishwasher, range/stove, microwave, refrigerator, washer, and dryer. Now offered at a new price. Ready for its next owner. Buyer to verify all information to their own satisfaction.

2650 Glenmore Street, Ferndale

Listing courtesy of Doug Freeman Real Estate.

$815,000
3 Beds ⋅ 3 Baths ⋅ 2523978 MLS ⋅ ACTIVE Status
Classic Craftsman style re-design and full remodel completed in 2026. This home presents beautifully inside and out with black, gray, white and natural wood tones. Located within the City of Ferndale, zoned commercial yet presents very rural. Large covered porch with a classic Craftsman presentation. Main and upper levels are 1,850 SF. Kitchen is well-equipped with stainless appliances and an entertaining bar.  The bay window is an additional Craftsman feature off of the living room. Additionally, the main floor offers a den/office and full bath.  The back porch has been enclosed to include an entry and laundry room with hookups for washer/dryer. Brand new mini-splits provide year round comfort with air conditioning and heating capabilities. Full below-grade finished bonus space has 6'3" tall ceilings with internal and external entries and has potential for a family room/crafts/wine cellar/other ideas? Home sits on a level 1.1 acre. Outside sits a freshly painted 4-bay garage/shop with RV bay added. Long, wide asphalt driveway with options for boat, RV and overflow parking in the level grassy area just east of the home. South facing backyard gathers much sunlight. Home is very central: 6 minutes to Ferndale with shopping and restaurants, 11 minutes to US/CAN Border.

2011 Grandview Road, Ferndale

Listing courtesy of eXp Realty.

$959,000
2 Beds ⋅ 3 Baths ⋅ 2565102 MLS ⋅ ACTIVE Status
The ultimate Pacific Northwest home location at Sandy Point Shores - expansive display of Georgia Strait to the west with spectacular sunsets over the Canadian Gulf Islands to the north & San Juan Islands to the south. A full view of Mount Baker to the east overlooking wetlands across street - sunrises! A captivating coastal retreat, 50 feet of waterfront beach. Deck extends across behind the home overlooking the water. Currently 2 Airbnb spaces Main home is 1,306 SF with 2 BR and 1.75 BA. Large kitchen with a sizeable kitchen island for the chef & entertaining. Paneled and vaulted ceiling, wood fireplace. Attached ADU studio is 334 SF. The studio has a loft and 1 full BA.The studio has its own kitchen and washer and dryer. Tasteful finishes make this a most enjoyable and peaceful living space. EV charger included. Improved waterfront with 382 SF deck and the 50 feet of beach waterfront with a bulkhead. Both main home and ADU/studio are turnkey. Fee simple owned land.

4311 Sucia Drive, Ferndale

Listing courtesy of eXp Realty.

$560,000
3 Beds ⋅ 3 Baths ⋅ 2569459 MLS ⋅ ACTIVE Status
Privacy, style, and functionality come together in this beautifully maintained Malloy Village home. Located on a quiet street and backing to a peaceful greenbelt, this home offers a private and serene setting. The main-floor primary suite features a spacious walk-in closet and large en-suite bath, while two additional upstairs bedrooms provide flexibility. The kitchen features maple cabinetry, granite countertops, and stainless-steel appliances and opens to the living room with a cozy gas fireplace. The back deck overlooks the lush greenbelt. Upstairs, the loft landing connects two bedrooms, a full bath, laundry room, and a large bonus room above the garage—ideal for a media room, office, gym, or additional living space. The finished garage offers ample parking and storage. Malloy Village features open green spaces, a community park, and clubhouse. Conveniently located near schools, shopping, dining, and other Ferndale amenities.

6264 Kona Court, Ferndale

Listing courtesy of Windermere RE Anacortes Prop..

$350,000
2 Beds ⋅ 2 Baths ⋅ 2567673 MLS ⋅ ACTIVE Status
Check out this turnkey investment opportunity in Sandy Point. There is a well-cared for 2 bedroom/2 bathroom manufactured home sitting on a large lot with peekaboo ocean views and lots of off-street parking. Home is clean, presentable and shows very well. It features lots of natural light, a very functional layout and a large primary bedroom with an ensuite bathroom. There is a huge deck off the kitchen which is perfect for relaxing and entertaining. There is a nice 394 sq foot garage on a concrete slab with extra parking. Sandy Point offers fantastic HOA Amenities! Enjoy direct access to an active, resort-inspired lifestyle just steps from your front door: Golf course, swimming pool, boat launch, pickleball courts, community playground and an exclusive clubhouse for social gatherings and events.

4548 Orcas Way, Ferndale

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

$399,000
2 Beds ⋅ 2 Baths ⋅ 2567689 MLS ⋅ ACTIVE Status
Adorable, functional, and filled with natural light, this 2-bedroom, 2-bath home offers peekaboo ocean views on a quiet street in Sandy Point. The open floor plan features spacious rooms, great flow, and a bright living area with oversized windows that pour sunlight into the home. The detached 480 sq. ft. garage is ideal for projects, hobbies, or transforming into a creative studio. Outside, the large south-facing fenced yard provides privacy and endless possibilities — gardening, play, entertaining, or simply relaxing in the sun. Additional off-street parking accommodates your RV or boat with ease. Sandy Point’s HOA amenities deliver a resort-style lifestyle right at your doorstep: golf course, swimming pool, boat launch, pickleball courts, community playground, and an exclusive clubhouse for gatherings and events. A clean, inviting home in a vibrant waterfront community — ready for you to enjoy.

3735 Cyprus Way, Ferndale

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

$355,000
2 Beds ⋅ 1 Baths ⋅ 2569383 MLS ⋅ ACTIVE Status
Just remodeled turn key charming ground-level condo within walking distance to downtown Ferndale! This spacious 2-bedroom 1-bath condo, perfectly positioned on the ground floor with no stairs for easy access. All new Soft Close cabinets in the kitchen and Bathroom, Vinyl Plank Flooring throughout, New Quartz Counter Tops, plus new Stove/Oven, Microwave and Dishwasher. Large living room windows and backyard slider flood the home with natural light Private fenced backyard with patio. Enjoy the Convenient covered carport and storage directly in front of the front door. Private front patio deck and back patio space. Excellent location in the active and accessible community of Ferndale!

5807 Hendrickson Avenue Unit #101, Ferndale

Listing courtesy of Windermere RE Whatcom, Inc..

$640,000
3 Beds ⋅ 2 Baths ⋅ 2567462 MLS ⋅ ACTIVE Status
Welcome to this beautiful 3-bedroom, 2-bathroom home on a fully fenced corner lot, featuring stylish finishes, modern updates, and an incredible outdoor space. The gorgeous kitchen features KitchenAid stainless-steel appliances, granite countertops, and beautiful finishes. Both bathrooms are custom designed with elegant finishes, creating a polished, high-end feel throughout the home. Step outside into your own private garden oasis, featuring numerous mature fruit trees, including cherries, prunes, grapes, berries, and more. The large patio is perfect for entertaining, relaxing, or enjoying the beautiful garden. An additional outbuilding with electricity offers endless possibilities and could potentially be converted into a tiny house, second kitchen, guest space, home office, or workshop. Situated on a desirable fully fenced corner lot, this property combines style, privacy, beautiful landscaping, and incredible versatility. A truly special home you won't want to miss!

6098 Pacific Heights Drive, Ferndale

Listing courtesy of Coldwell Banker Bain.

$692,000
5 Beds ⋅ 3 Baths ⋅ 2569529 MLS ⋅ ACTIVE Status
Five bedrooms and three full baths — rare in Ferndale. Mount Baker and the Twin Sisters fill the view from the yard and main living space. Wake to sunrises from the upper balcony off the primary suite, with mountain and territorial views. Playing fields are a short walk from the back yard. The yard and garden are what nobody expects. Plum, blueberry and countless flowering shrubs worked through the beds by someone who plainly loved doing it — years of patience you can't buy new. Fully fenced, with custom touches throughout — an oasis built for gathering, day or night. This backyard is a dream! An oversized low-maintenance composite deck steps down into the yard filled with flowers (some of them are giants!) with a patio nestled in the corner. A covered porch flows into the outdoor living area, with the balcony above framing the mountain. Sun or shade, there's a spot year-round for R&R. Inside, a two-story entry opens to the living room, and the kitchen runs straight into the family room where a gas fireplace anchors the corner — with a walk-in pantry off the counter. A jetted bath sits off the primary with its own walk-in closet. The main-floor bedroom flexes as a guest room, an office, or a bedroom without stairs. Neighborhood includes: tennis/pickleball court, 2 playgrounds, trails, restrooms and covered picnic tables. Attached two-car garage, parking for four+ alongside or a temporary RV spot. This perfect home should check all your boxes.

6204 Pacific Heights Drive, Ferndale

Listing courtesy of Bellwether Real Estate.

$754,900
4 Beds ⋅ 3 Baths ⋅ 2569437 MLS ⋅ ACTIVE Status
Welcome home to this stunning brand-new residence, move-in ready and waiting to impress. Offering just under 2,400 square feet of thoughtfully designed living space, this exceptional 4-bedroom, 2.5-bathroom home blends comfort, style, and everyday functionality. At the heart of the home is a bright, open-concept kitchen featuring a second built-in oven and microwave, an expansive island, and abundant cabinet and countertop space — ideal for both daily living and entertaining. The adjoining dining area offers custom built-in cabinetry with space for a wine cooler or mini fridge, adding a refined touch to every gathering. A striking fireplace anchors the living room, its warm ambiance flowing effortlessly into the kitchen and dining areas to create a seamless, inviting atmosphere throughout the main living space. The spacious primary suite offers a peaceful retreat, complete with a generous walk-in closet and an abundance of natural light. Step outside to a beautifully landscaped backyard and private deck, perfect for relaxing or entertaining. Situated as the last home on the street with just one neighboring property, this residence offers a rare sense of privacy and tranquility. Don't miss the opportunity to make this exceptional home yours.

5513 Presley Lane, Ferndale

Listing courtesy of eXp Realty.

$854,905
4 Beds ⋅ 6 Baths ⋅ 2569617 MLS ⋅ ACTIVE Status
Beautifully restored 1900 Victorian estate lovingly & meticulously renovated over a decade. This one-of-a-kind property is just waiting to be discovered. Major improvements include updated electrical & plumbing, high-efficiency Navien on-demand water heater, two gas furnaces, a jetted spa-like tub, premium Toto toilets, modern foundation, CertainTeed Presidential roof, and newly installed front privacy fence. EACH BEDROOM HAS ITS OWN ENSUITE BATHROOM making the home well suited for multi-generational living, extended guests, hospitality use, or private retreats. The LEVEL ACREAGE has plenty of space to build a barn, shop, or ADU etc. Opportunity to upgrade septic capacity by 50% with county approval, allowing for 2 additional bedrooms giving INSTANT EQUITY and increasing the home to 6 bedrooms total! Zoning allows for a range of conditional uses such as a B&B, Boutique Hospitality Venture, Retreat Center, Educational Facility, Religious Organization, Daycare/care Facility, Nursery or Greenhouse Operation, Hobby Farm, Homestead, Home-based Business; the possibilities are endless. Located less than 20 mins to Bellingham International Airport & downtown, ~1 hour to Vancouver, BC, and ~90 mins to Seattle. OWNER FINANCING AVAILABLE! Inspection report and septic report available upon request. Over $1,000 worth of period-appropriate wallpaper and giant antique armoire upstairs goes with the sale. Buyer to verify all information.

1371 W Axton Road, Ferndale

Listing courtesy of Sterling Real Estate Group.

$515,000
3 Beds ⋅ 2 Baths ⋅ 2565037 MLS ⋅ CONTINGENT Status
This well built and well cared for home is centrally located between Bellingham and Ferndale on a large lot in a quiet residential neighborhood. Home features 3 bedrooms and 2 updated baths with a family room on the lower level and a living room with a gas fireplace on the main. House has a metal roof and double pane windows through out. Enjoy the large patio in the private backyard, surrounded by mature, low-maintenance landscaping and thoughtfully maintained grounds designed for easy outdoor living. Spacious 2 car attached garage with lots of storage along with a large detached shed for additional storage and a covered area for the BBQ. Just a short drive to Bellingham and Ferndale. Just minutes away from the soccer and baseball fields plus there is a community park.

5928 Laurel Shaw Ct, Ferndale

Listing courtesy of Windermere RE Whatcom, Inc..

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