Ferndale Homes with VA Loan Terms

Ferndale Homes with VA Loan Terms

Welcome to Ferndale, a charming city located in Whatcom County, Washington, in the United States. Known for its picturesque surroundings and friendly community, Ferndale offers a perfect blend of small-town charm and modern amenities.

If you're looking to settle down in Ferndale, you'll be pleased to know that there are plenty of homes available with VA loan terms. Whether you're a veteran, active-duty service member, or eligible surviving spouse, utilizing a VA loan can make homeownership more accessible and affordable in this beautiful city.

Ferndale boasts a variety of housing options to suit different preferences and budgets. From cozy single-family homes perfect for families to stylish condos ideal for young professionals, there's something for everyone in this vibrant community.

Living in Ferndale means enjoying a high quality of life, with easy access to outdoor recreational activities, excellent schools, and a thriving local economy. The city's close-knit neighborhoods and welcoming atmosphere make it a great place to call home.

If you're considering making Ferndale your new home, explore the available properties with VA loan terms and take the first step towards owning your dream home in this idyllic city in Whatcom County, Washington.

Newest Ferndale Homes with VA Loan Terms

$350,000
3 Beds ⋅ 2 Baths ⋅ 2567673 MLS ⋅ ACTIVE Status
Check out this turnkey investment opportunity in Sandy Point. There is a well-cared for 3 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..

$1,082,999
3 Beds ⋅ 3 Baths ⋅ 2570316 MLS ⋅ ACTIVE Status
Rare opportunity to own a private equestrian retreat on nearly 5 fully fenced acres with stunning Mount Baker views! Tucked behind a gated entrance at the end of a quiet private road, this exceptional property offers the perfect blend of peaceful country living and functional horse amenities. Featuring a 7,500 sq ft outdoor riding arena, multiple stalls with runs, tack room, inside stalls, and a large two-car shop, this property is ready for horses, hobbies, and more. The spacious main home includes 3 bedrooms + office and 3 bathrooms, while the attached 1 bed, 1 bath ADU suite with separate entrance and garage offers excellent flexibility for guests, multigenerational living, or rental income. A truly one-of-a-kind property with space, privacy, and endless possibilities.

7037 Yukon Way, Ferndale

Listing courtesy of Keller Williams Western Realty.

$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.

$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. Open houses Thursday through Friday, 3 p.m. to 6 p.m., and Saturday and Sunday, 12:00 p.m. to 3 p.m. Come by and see what this neighborhood has to provide.

5513 Presley Lane, Ferndale

Listing courtesy of eXp Realty.

$1,050,000
4 Beds ⋅ 2 Baths ⋅ 2569607 MLS ⋅ ACTIVE Status
Development opportunity in Ferndale-comes with TWO additional approved lots... Remodeled 4-bedroom, 1.75-bath home on over an acre within Ferndale city limits, offering exceptional space, views, and development potential. The 2,688 SF home features two gas fireplaces, a spacious layout, and a large deck overlooking beautiful Mt. Baker views and stunning sunrises. A massive 864 SF 3-car garage provides abundant room for vehicles, hobbies, storage, or workshop space. Included with the sale is an approved additional 2-lot subdivision, creating exciting potential for future development, with additional possibilities for higher density infill, buyer to verify. Enjoy the rare combination of a remodeled home, expansive property, city utilities, remarkable views, and development opportunity—all within the Ferndale city limits.

6116 Vista 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.

$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..

$700,000
3 Beds ⋅ 3 Baths ⋅ 2567219 MLS ⋅ ACTIVE Status
Welcome to this meticulously maintained home in one of Ferndale’s desirable neighborhoods, where thoughtful upgrades and exceptional care come together. The main level features beautiful porcelain tile throughout, creating a clean, durable, and timeless feel. The inviting living room offers a cozy gas fireplace, while the main-floor office provides a dedicated space for work, study, or hobbies. The spacious primary suite is designed for relaxation, featuring a private bathroom with a sauna—perfect for unwinding at the end of the day. Two additional bedrooms, 2½ bathrooms, and a versatile bonus room provide plenty of space for guests and everyday living. The oversized garage offers abundant room for vehicles, storage, and projects, complemented by a 10½ x 16-foot shed/shop for even more workspace and storage. The home is equipped with a 50-year Presidential roof, whole-house water treatment system, reverse osmosis system, and insulated, heat-taped crawl-space plumbing for added peace of mind. Air conditioning keeps the home comfortable during warmer months. With its desirable location, extensive features, and meticulous maintenance, this Ferndale home offers the combination of comfort, functionality, and long-term value you’ve been looking for. A truly well-cared-for property that is ready to welcome its next owner.

5927 Birdseye Court, Ferndale

Listing courtesy of Muljat Group.

$525,000
3 Beds ⋅ 3 Baths ⋅ 2568101 MLS ⋅ ACTIVE Status
Welcome to Malloy Village! This beautifully maintained 3-bedroom, 2.25-bath home, built in 2018, feels nearly new and offers modern comfort in a friendly, welcoming community. Enjoy an inviting open floor plan with high ceilings, hardwood floors, and a bright, functional kitchen featuring quality cabinetry and quartz countertops. The convenient laundry area is located just off the kitchen. Spacious bedrooms provide room to relax, while the sleek primary bath features a beautifully tiled shower with impressive 7-foot glass doors. A cozy gas fireplace adds warmth and ambiance, while instant hot water and energy-efficient features provide everyday comfort. Two covered decks create a surprising sense of privacy, giving the home the peaceful feeling of a cozy cottage nestled in the woods. Enjoy low-maintenance living with 100% of the lawn maintained by the HOA. Malloy Village is beautifully kept, with green space, a park area, community clubhouse, and friendly neighbors. Conveniently located near Ferndale schools and amenities, this is a wonderful opportunity to enjoy a newer home, peaceful surroundings, and a true sense of community.

2094 Calico Loop, Ferndale

Listing courtesy of John L. Scott Bellingham.

$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..

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