Mount Vernon Homes with FHA Terms

Mount Vernon Homes with FHA Terms

Welcome to Mount Vernon, a charming city nestled in Skagit County, Washington. Known for its scenic beauty, friendly community, and convenient location, Mount Vernon offers a wonderful place to call home.

Situated in the heart of the Pacific Northwest, Mount Vernon is surrounded by stunning natural landscapes, including the nearby Skagit River and the majestic Cascade Mountains. Residents can enjoy a variety of outdoor activities, such as hiking, fishing, and boating, making it an ideal place for nature enthusiasts.

Mount Vernon also boasts a rich history and vibrant culture. The city's downtown area is filled with charming shops, restaurants, and historical landmarks, showcasing the area's unique heritage. The annual Skagit Valley Tulip Festival attracts visitors from all over the world, showcasing the region's stunning spring blooms.

If you're looking to purchase a home in Mount Vernon, you'll be pleased to know that there are options available with FHA terms. FHA loans are backed by the Federal Housing Administration, making them an attractive choice for first-time homebuyers or those with less-than-perfect credit. These loans offer competitive interest rates and flexible qualification requirements, making homeownership more accessible.

Whether you're searching for a cozy bungalow or a spacious family home, Mount Vernon has a variety of housing options to suit your needs. From historic properties to modern developments, there is something for everyone in this vibrant city.

Come and experience the beauty and charm of Mount Vernon, where you can find your dream home with FHA terms. Contact a local real estate agent today to start your journey to homeownership in this picturesque city.

Newest Mount Vernon Homes with FHA Terms

$550,000
4 Beds ⋅ 1 Baths ⋅ 2574098 MLS ⋅ ACTIVE Status
This charming 4-bedroom rambler sits on a spacious, beautifully landscaped lot filled with mature trees and vibrant plantings, including apple, Asian pear, and two Bing cherry trees. Inside, the home feels fresh and updated with new kitchen cabinets (Dec. 2025), new flooring (2025), and a new roof (2025), along with double-pane vinyl windows for year-round comfort. Outdoor living is easy with a concrete patio, a welcoming front deck, and plenty of room to relax or garden. A convenient storage shed adds extra functionality, making this property a wonderful blend of comfort, updates, and natural beauty.

1100 N 18th Street, Mount Vernon

Listing courtesy of Skagit Tradition Realty, LLC.

$1,400,000
4 Beds ⋅ 4 Baths ⋅ 2571653 MLS ⋅ ACTIVE Status
Lakefront Living on 1.19 Private Acres — Cedar Ridge Estates Wake up to peaceful views of Lake 16 & territorial/forest from this stunning versatile retreat where friends will want to gather. Tucked at the end of a quiet cul-de-sac, adjacent to the community trail leading to the 1,100 feet of community owned lakefront with beach & concrete dock on the lake and yes there are fish in this lake. Inside, rich Brazilian Tigerwood floors set the tone for a home that feels both warm and elevated. Outside, the property truly shines: sprawling decks (even a private one off of the primary on the main), overlooking expansive yards, a private sport court invites weekend games, and a cozy fire pit sets the scene for evenings under the trees. Amenities inside include central vacuum, 2 propane water heaters, wired for generator and electric car charging station. As a Cedar Ridge Estates owner, you'll also enjoy deeded access to a private beach and boat launch on Lake 16 — rare amenities that make everyday living feel like a permanent getaway. With spacious surrounding greenbelts and large lots, not only are you minutes from all the Skagit County recreation has to offer, but you may also never need to leave home to feel a soulful rejuvenation from your very own HOME. This is the kind of property that rarely comes available space, privacy, updated finishes, and a true lake community lifestyle, all within reach of I-5 in 5 minutes. Come see photos don't do justice!

21058 Estate Drive, Mount Vernon

Listing courtesy of John L Scott Monroe.

$725,000
4 Beds ⋅ 3 Baths ⋅ 2574074 MLS ⋅ ACTIVE Status
Enjoy beautiful territorial and foothill views from this exceptionally maintained 4-bedroom, 3-bath home in the desirable Big Lake community. Set on nearly half an acre, the home offers a spacious, versatile layout with vaulted ceilings, abundant natural light, and heating & cooling for year-round comfort. Upstairs, the open living room features a cozy gas fireplace and flows into the formal dining area and well-appointed kitchen with casual eating space. Step onto the deck and take in the peaceful views—perfect for morning coffee or evening entertaining. Three bedrooms are upstairs, including a spacious primary suite with full bath, dual vanities and large walk-in closet. The lower level offers excellent flexibility with a 4th bedroom, full bath and additional living space—ideal for guests, multi-generational living or a private retreat. An XL garage plus storage beneath the home provides room for vehicles, hobbies and gear. Outside, the nearly 1/2-acre property offers privacy and versatility. A circular driveway provides abundant parking, while double gates along the side of the home offer easy access for an RV, boat or toys. The terraced backyard features mature landscaping and a hardscaped patio perfect for entertaining. A fully insulated & powered shed makes an ideal workshop, studio or extra storage. Enjoy the peaceful Big Lake lifestyle while remaining close to Mount Vernon, recreation and everyday conveniences.

17010 Trout Drive, Mount Vernon

Listing courtesy of Keller Williams Western Realty.

$699,500
5 Beds ⋅ 3 Baths ⋅ 2574262 MLS ⋅ ACTIVE Status
Looking for space? This beautifully maintained 3,105 sq. ft. home in the desirable Digby Heights neighborhood offers 5 bedrooms (or 4 bedrooms plus a dedicated home office) and multiple living spaces, providing the flexibility today's buyers are looking for. Soaring ceilings greet you upon entry, creating a light-filled, open feel that flows seamlessly into the living room, dining area, and spacious kitchen which is ideal for everyday living and entertaining.The main level features a versatile bedroom or home office, while upstairs you'll find a generous loft/bonus room and four additional bedrooms, including a spacious primary suite complete with a private ensuite bath and large walk-in closet. The utility room is conveniently located on the upper level alongside the bedrooms, making laundry day a breeze.Just off the kitchen, the enclosed sunroom offers a wonderful flex space for relaxing, hobbies, or enjoying your morning coffee year-round. Step outside to the fully fenced, private backyard, complete with a large storage shed, the setting is perfect for entertaining, gardening, or play. The oversized 2+ car garage offers plenty of room for vehicles, storage, or a workshop and features direct access to the backyard for added convenience. With new carpet throughout and an ideal location in one of the area's most desirable neighborhoods, this move-in ready home is waiting for its next owners.

328 Barry Loop, Mount Vernon

Listing courtesy of Windermere RE North, Inc..

$519,000
3 Beds ⋅ 2 Baths ⋅ 2574104 MLS ⋅ ACTIVE Status
Welcome to 248 Shantel Street, where timeless curb appeal meets thoughtfully designed single-level living. This beautifully maintained 3-bedroom, 2-bath rambler offers 1,520 sq ft and a wonderfully versatile floor plan featuring two distinct living areas and a refined den—ideal for a home office, formal sitting room or creative retreat. An inviting covered front porch sets the tone, while the fireplace brings warmth and character to the interior. The spacious primary suite offers a private escape with a soaking tub and separate shower. An attached two-car garage and mature landscaping complete the home, while its convenient Mount Vernon location places you near Skagit Valley Hospital, shopping, dining, downtown attractions and the seasonal Mount Vernon Farmers Market. Enjoy easy access to I-5, regional military installations—including Naval Air Station Whidbey Island and Naval Station Everett—and the natural beauty and recreation of the Pacific Northwest. From local farms and waterfront communities to the world-famous Skagit Valley tulip fields, this location captures the very best of Skagit Valley living. Comfortable, connected and effortlessly inviting—

248 Shantel Street, Mount Vernon

Listing courtesy of Keller Williams Western Realty.

$499,000
4 Beds ⋅ 2 Baths ⋅ 2574361 MLS ⋅ ACTIVE Status
Charming and move-in ready, this 4-bedroom, 2-bath home offers 1,374 square feet of comfortable living space in a convenient Mount Vernon location. The home features a practical single-level layout with a bright, welcoming feel and room to make it your own including a large mostly level lot. Ideal for buyers seeking an established neighborhood setting, this property combines classic residential appeal with easy access to local amenities, schools, shopping, hospital and commuter routes. Whether you’re looking for your first home, downsizing, or adding to your investment portfolio, this home offers a solid opportunity in a desirable area. Contact the city for potential addition of ADU. Tenant vacating at the end of September.

2000 E Highland Avenue, Mount Vernon

Listing courtesy of CENTURY 21 North Homes Realty.

$403,000
3 Beds ⋅ 2 Baths ⋅ 2573643 MLS ⋅ ACTIVE Status
Tucked on a corner lot, this 3 bedroom, 2 bath home offers a functional layout with spacious rooms and plenty of natural light throughout. The detached 2 car garage adds great flexibility, whether you need extra storage, a workshop, or space for hobbies and projects. Step outside to a fully fenced backyard with room for garden beds, plus a front deck made for morning coffee or evening unwinding. Bakerview Park is close by for playground time and sports fields, with everyday errands quick and close as well. Just off College Way, this location offers a direct route to I-5 for an easy commute.

1810 N 33rd Place, Mount Vernon

Listing courtesy of Windermere RE Whatcom, Inc..

$750,000
4 Beds ⋅ 3 Baths ⋅ 2572509 MLS ⋅ ACTIVE Status
Nestled on a spacious 3/4 acre corner lot in Mount Vernon’s desirable Thunderbird neighborhood with no HOA, this home offers classic charm and exceptional value.The light-filled, 2,715 sq ft layout features 4 bedrooms, 3 bathrooms, and fresh paint throughout. Upstairs includes new trim and updated flooring, while the finished daylight basement provides excellent extra living space with a wet bar. Enjoy two cozy fireplaces - one on each level - for those cold PNW evenings. Step outside onto the brand-new wrap-around cedar deck to take in peekaboo views of the Skagit Valley framed by professionally trimmed trees, all year 'round. Move-in ready with core updates already completed, there is still tons of potential for updates to make the home fully shine. Welcome home!

4012 Pueblo Heights, Mount Vernon

Listing courtesy of Keller Williams Western Realty.

$539,000
3 Beds ⋅ 2 Baths ⋅ 2568209 MLS ⋅ ACTIVE Status
Move-in ready Mount Vernon rambler - Minutes to I-5, shopping, dining, schools, and parks- Vaulted ceilings and abundant natural light fill the spacious living room, flowing into the dining area and well-appointed kitchen. A slider leads to the spacious rear patio and fully fenced yard, perfect for entertaining, Barbecuing, gardening, or relaxing. Recent updates: new roof, exterior paint, flooring, new baseboards, bathroom vanities, and fascia. The finished two-car garage comes with an EV charging station installed, plus a detached storage shed for the ultimate workshop setup. Ask about the LENDER-PAID 1-0 BUYDOWN—an interest rate 1% LOWER your first year!

100 S 28th Street, Mount Vernon

Listing courtesy of Keller Williams Eastside.

$2,270,000
4 Beds ⋅ 4 Baths ⋅ 2572930 MLS ⋅ ACTIVE Status
Experience luxury lakeside living in this stunning 3,600 sqft new construction home. Step through a grand oak pivot door into warm engineered hardwood flooring, floating staircase, soaring ceilings with oak accents, 4 bedrooms, including two primary suites-one conveniently located on the main level and another upstairs, and 3.25 spa-inspired bathrooms that showcase radiant heated floors, wall to wall tile, bidets, and towel warmers. Soaring 20ft ceilings and dramatic floor to ceiling windows perfectly frame views of Big Lake and Mount Baker. The designer kitchen is built to impress with top-of-the-line Thermador Appliances, an oversized island, and a stylish walk in pantry with a wet bar. The home is equipped with dual heating and cooling zones, one for each level. Step outside to a massive covered outdoor living space with built in heaters, and an outdoor kitchen perfectly positioned to capture the breath taking views of the lake and mountains, that can be enjoyed year round. Built with long-term durability and low-maintenance living in mind, the exterior and overall design prioritize both luxury and ease of ownership, with an eight zone irrigation system servicing the grounds. 2+ car garage and ample driveway parking.

18315 Majestic Ridge Lane, Mount Vernon

Listing courtesy of HomeSmart One Realty.

$649,000
5 Beds ⋅ 3 Baths ⋅ 2569923 MLS ⋅ ACTIVE Status
Welcome to this beautifully **fully remodeled 5-bedroom, 3-bathroom home** that perfectly blends comfort, functionality, and modern upgrades. From the moment you arrive, you'll notice the **fresh new paint** and updated finishes, including a **refreshed kitchen floor** that adds a clean, contemporary touch.Step outside to enjoy a **spacious, fully fenced backyard**—ideal for pets and outdoor entertaining. The yard features a **fruit tree** and an **extra storage shed**, offering both charm and practicality.Inside, the **flexible layout** provides ample space for **multi-generational living**. Whether you're looking for a **primary residence** or a **smart investment opportunity**, this home checks all the boxes.Additional highlights include an **EV charger in the garage** and a **friendly neighborhood** that makes this property even more desirable.? **Fully Remodeled & Move-In Ready**? **5 Bedrooms | 3 Bathrooms**? **Fully Fenced Backyard**? **Fruit Tree + Extra Storage Shed**? **EV Charger in Garage**? **Ideal for Multi-Generational Living**? **Great Investment Opportunity**Opportunities like this don't come around often—**don't miss your chance to own this exceptional home!**

2225 E Meadow Boulevard, Mount Vernon

Listing courtesy of Merrick Real Estate, LLC.

$520,000
3 Beds ⋅ 2 Baths ⋅ 2572368 MLS ⋅ ACTIVE Status
Imagine coming home to this comfortable, thoughtfully updated home with space that adapts to the way you live. This 3-bedroom, 1.5-bath home has already had many of the big-ticket updates completed, including a newer roof (2020), fresh exterior paint (2026), and updated kitchen and bathrooms. The kitchen features quartz countertops and updated cabinetry, while a generous 440 sq. ft. of bonus space offers flexibility for a home office, gym, hobby room, or guest quarters, and storage. Outside, the large, landscaped lot features mature trees, a covered gazebo, fenced backyard, dog run, and multiple outbuildings for tools, yard supplies, and hobbies.  There is even a space for RV parking!  Spend time in your own space and enjoy the mountain view.  There is an opportunity to assume the existing FHA loan at an amazing 2.7% interest rate, subject to lender approval. Conveniently located near Haggen with easy access to I-5, restaurants, and shopping. Schedule a showing today!

1015 S 25th Street, Mount Vernon

Listing courtesy of House Love Realty.

Start Your Search
Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
IDX information is provided exclusively for consumers’ personal noncommercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.