Ferndale Homes with USDA Loan Terms

Ferndale Homes with USDA Loan Terms

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

For those looking to settle down in Ferndale, the homes with USDA loan terms present a fantastic opportunity. With these loan terms, homebuyers can benefit from low-interest rates, no down payment requirements, and flexible credit guidelines. Whether you're a first-time homebuyer or looking to relocate to Ferndale, the USDA loan terms make homeownership more accessible and affordable.

Ferndale boasts a variety of housing options to suit different preferences and budgets. From cozy bungalows to spacious family homes, there's something for everyone in this vibrant city. Imagine waking up to stunning views of Mount Baker or enjoying a leisurely stroll in one of the many parks that dot the city.

With its strong sense of community, top-rated schools, and proximity to outdoor recreational activities, Ferndale is the perfect place to call home. Experience the best of Pacific Northwest living in Ferndale, where small-town charm meets modern amenities. Don't miss out on the opportunity to own a home with USDA loan terms in this idyllic city.

Newest Ferndale Homes with USDA Loan Terms

$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.

$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.

$699,998
3 Beds ⋅ 2 Baths ⋅ 2568088 MLS ⋅ ACTIVE Status
Set on 5 beautiful acres in Ferndale, this 3-bedroom, 1.5-bath home offers the kind of space and setup that’s hard to find. Inside, you’ll find 1,392 sq ft with newer flooring, stainless steel appliances, mini-split heating and A/C, and wiring already in place for a generator. Outside is where this property really shines. A private 1-mile nature trail winds through the back of the property, while more than 2 acres of hay pasture with seven varieties of grass and hay create a true country feel. The hobby-farm setup includes a 30x30 barn, 30x30 netted chicken run, 30x10 covered chicken run with indoor nesting area, and a 70x70 fenced garden ready for your next growing season. There’s also a shed with water and power, an individual well, and an attached 2-car garage. Whether you’ve been dreaming of chickens, gardens, pasture, room to roam, or simply more privacy, this property gives you the space to make it your own while still being just minutes from Ferndale.

7530 Woodland Drive, Ferndale

Listing courtesy of Windermere RE Whatcom, Inc..

$1,900,000
2 Beds ⋅ 2 Baths ⋅ 2567539 MLS ⋅ ACTIVE Status
Welcome to a once-in-a lifetime opportunity: 78+ stunning acres in Whatcom County with sweeping Mt. Baker views. This unique property spans two parcels and features a beautiful log home, a 4-bedroom rental, multiple large outbuildings, and the fully permitted Barnstar Events venue inside of a magnificent barn, approved for commercial use. The lower parcel holds the homes, structures, and event space, and the upper 40 acres offers a pond, pasture, and permitted well. With endless potential to live, host, or create something unforgettable, this is a truly rare offering.

5295 S Church Road, Ferndale

Listing courtesy of Muljat Group.

$780,000
5 Beds ⋅ 3 Baths ⋅ 2565080 MLS ⋅ ACTIVE Status
Perched in one of Ferndale's well established neighborhoods, this beautifully maintained home offers sweeping Mount Baker and bay views along with the flexibility today's buyers are searching for. This home lives like a single story, with everything you need on the main floor, while also offering a fully finished lower level that provides valuable bonus space. The thoughtfully designed daylight lower level features its own private entrance, two bedrooms, a ¾ bath, spacious living room, and kitchenette, creating a flexible separate living area with a variety of potential uses. Upstairs, large windows frame stunning views while inviting natural light throughout the main living areas. Step outside onto one of two decks to enjoy your morning coffee or unwind as the sun sets over the bay. The beautifully landscaped yard offers privacy and color in every season, complete with abundant flowers, a greenhouse, mature plantings, and plenty of room to garden or entertain. Additional features include a 2-car garage, oversized driveway with ample off-street parking, two fireplaces, hardwood flooring, radiant hot water heat, and a location that offers easy access to schools, parks, downtown Ferndale, and I-5. Whether you're looking for space to spread out, room for loved ones, or simply a home with unforgettable views, 2459 Crestline Street is a rare opportunity to enjoy it all.

2459 Crestline Street, Ferndale

Listing courtesy of Buck Real Estate.

$459,900
3 Beds ⋅ 1 Baths ⋅ 2563061 MLS ⋅ ACTIVE Status
$10k buyer rate buy down included! Welcome home to this charming, turn-key gem nestled on a quiet, non-thru street in one of Ferndale's most desirablehilltop neighborhoods! Situated on a generous 8,700+ sq. ft. corner cul-de-sac lot, this move-in-ready home offers the perfect blend of comfort, convenience, and outdoor living. Designed for effortless single-level living, the interior features fresh paint, stylish LED lighting, and durable wood laminate flooring throughout, with carpeted bedrooms. The heart of the home is a bright, expansive living room perfect for entertaining, flowing seamlessly into a kitchen updated with newer stainless steel appliances and classic solid wood cabinetry. Three comfortable bedrooms provide peaceful retreats, all serviced by a clean, modern full bath. Step outside to your private backyard oasis-a fully fenced, sunny sanctuary featuring a spacious deck, garden shed, and a relaxing hot tub. The massive level yard offers endless possibilities for gardening, pets, or play. Enjoy your morning coffee or watch the sunset from the welcoming front porch. With an attached one-car garage plus ample driveway and off-street parking, there is plenty of room for guests or a boat. You are just three doors away from a 2.5-acre city park and playground, and within easy walking distance to local schools. Don't miss this opportunity to own a solid, well maintained home in a fantastic, friendly community. Carpet allowance provided!

6194 Apollo Place, Ferndale

Listing courtesy of Coldwell Banker Bain.

$819,900
4 Beds ⋅ 3 Baths ⋅ 2562391 MLS ⋅ ACTIVE Status
Truly one of a kind, this custom home is tucked away at the end of a private driveway, offering exceptional privacy, no road noise, and no neighboring homes in sight. Completely renovated in 2018-2019, the home features a commercial grade newer foundation, windows, highline metal roof, custom blue-stained pine walls, and beautiful live-edge Western maple finishes. Efficient mini-splits provide heating and air conditioning, while the wood-burning fireplace and covered back deck create the feel of a Pacific Northwest lodge retreat in every season. The spacious floor plan includes four bedrooms, a fifth bedroom or office/den, a living room, and a separate family room. The property also features fruit trees, a chicken coop, a detached shop, and a private trail system-an ideal setting for those seeking space, tranquility, and a true connection to nature.

3695 Grandview Road, Ferndale

Listing courtesy of John L. Scott Bellingham.

$989,900
2 Beds ⋅ 2 Baths ⋅ 2554000 MLS ⋅ ACTIVE Status
Stunning custom home on 5 beautifully maintained, park-like acres! Tucked away at the end of a quiet dead-end road, this fully fenced and gated property offers exceptional privacy, peaceful surroundings, and endless possibilities. The spacious great room features soaring ceilings, abundant natural light, a cozy gas fireplace and pellet stove, flowing seamlessly into the large eat-in kitchen—perfect for everyday living and entertaining. Upstairs, the luxurious primary suite offers a gas fireplace, spa-inspired ensuite, and a private retreat. Step outside and experience true indoor/outdoor living with two oversized covered decks, a hot tub, and a spectacular custom timber pavilion featuring a stone fire pit, swing seating, and concrete patio—an unforgettable space for entertaining, relaxing, and making memories year-round. The sunny, level acreage includes fenced pasture, fruit trees, established garden space, animal shelter, and plenty of room to roam. Home is wired for a generator, and two impressive shops provide ample space for hobbies, storage, equipment, RVs, or business use. Enjoy the best of country living just minutes from Bellingham, only 5 minutes to the Sandy Point boat launch, Neptune Beach, and endless opportunities for boating, kayaking, fishing, crabbing, beachcombing, and waterfront recreation.

3548 Walltine Road, Ferndale

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

$446,999
3 Beds ⋅ 1 Baths ⋅ 2550582 MLS ⋅ ACTIVE Status
Packed with potential in the heart of Ferndale! Updated where it counts, this 3-bedroom, 1-bath home features a spacious, updated kitchen with newer appliances and a refreshed bathroom. Exterior highlights include a durable metal roof, storage-converted detached garage, and fully fenced yard with plenty of space for gardening or entertaining.This property is an excellent option for first-time buyers, investors, or anyone looking to build equity in a desirable location with a home that's ready to enjoy today and personalize over time.Conveniently located just minutes from I-5, parks, shopping, and everything the area has to offer.

2267 Hawthorne Street, Ferndale

Listing courtesy of Coldwell Banker Bain.

$1,100,000
4 Beds ⋅ 2 Baths ⋅ 2550505 MLS ⋅ ACTIVE Status
This bucolic equestrian property on a dead end street with open vistas and a great history of maintenance and upgrades is ready for you! The log home is perfectly situated on a dead end street for maximum sun and has a very nice open floorplan centered around the sunken living room for gathering. The upstairs is dedicated to the primary suite with private deck as well as 3 additional bedrooms on the main. The logs on this home have been recently refurbished and has a huge deck on three sides. The home also features a new boiler (radiant heat), 3 year old presidential roof and newer appliances. There is a 20x60 shop as well as the 5 stall 60x60 horse barn with 2 hay bays and a 100x175 fenced arena, and fully fenced pastures for livestock.

3883 Everett Lane, Ferndale

Listing courtesy of Windermere RE Whatcom, Inc..

$549,000
3 Beds ⋅ 2 Baths ⋅ 2546436 MLS ⋅ ACTIVE Status
Escape the hustle & bustle on your own quiet country estate! This well-maintained and updated 3-bed home on 4 acres is a canvas for you to paint the next phase of your life. Upon entrance you are greeted by an open layout with kitchen, dining, and two living rooms connected and all new LVP flooring throughout. Spacious kitchen offers ample counter space and storage, eat-in bar at the island, and extra corner island with Spanish-inspired tiling. Off the kitchen is the main living room w/ exposed beams, built-in storage, and wood fireplace with stone hearth. Dining room and additional living space feature more built-in storage, sliding glass door and many windows letting in ample natural light. On one end of the home is your huge primary en-suite bedroom w/ new carpet, walk in closet, and bathroom w/ dual vanities and newly tiled shower. On the other end of the home is the guest bathroom and two additional bedrooms w/ new carpet, generous closet space, and bank of windows bringing in the summer sun. Home also features two driveway entrances w/ parking as well as two large decks on either side, one which is fully covered for outdoor enjoyment regardless of the weather. Just shy of 4ac is mostly pasture with some wooded area and plenty of room for a shop or ADU, buyer to verify. Property has its own well and septic for self-sufficient living and a small shed/shop for projects or storage. Many updates such as roof, skylights & windows, siding, paint, and more, inquire for details!

8095 Rathbone Road, Ferndale

Listing courtesy of Keller Williams Western Realty.

$945,725
3 Beds ⋅ 3 Baths ⋅ 2548087 MLS ⋅ ACTIVE Status
Seeing is believing--this is a must-see home. The property offers 2374 sq. ft. of thoughtfully designed living space on 4.88 acres, making it eligible for an ADU. Recent upgrades include a new roof and a tankless hot water system that also provides radiant floor heating--perfect for chilly mornings. A new Trex deck spans the entire north side of the home, with direct access from both primary bedrooms. The home is equipped with a four mini-split system for efficient heating and cooling, along with ceiling fans in several rooms for added comfort and airflow. The all-electric kitchen features quartz countertops and hickory cabinets. Additional highlights include a cozy library with built-in bookshelves and an electric fireplace. The sale includes a large safe and a 60 inch zero-turn lawn mower. A spacious 40x60 insulated shop, complete with a restroom, shower, and large sink, offers ample room for projects, storage, or workspace. This home has been pre-inspected. The crawl space beneath is 7 feet tall. It has a newly paved driveway.

2700 Brown Road, Ferndale

Listing courtesy of Weichert Realtors Vanson Assoc.

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