Whatcom Homes with FHA Terms

Whatcom Homes with FHA Terms

Welcome to Whatcom County, located in the beautiful state of Washington, USA. Known for its stunning natural landscapes and vibrant communities, Whatcom County offers a wide range of opportunities for those seeking a place to call home.

If you're considering purchasing a home in Whatcom County, you'll be pleased to know that there are options available with FHA terms. The Federal Housing Administration (FHA) provides loans that are backed by the government, making homeownership more accessible for many individuals and families.

Homes with FHA terms offer several advantages. Firstly, they typically require a lower down payment compared to conventional loans, making it easier for buyers to enter the housing market. Additionally, FHA loans often have more flexible credit requirements, allowing individuals with less-than-perfect credit scores to qualify.

Whatcom County is a great place to invest in real estate, whether you're looking for a cozy single-family home, a spacious townhouse, or a charming condominium. From the bustling city of Bellingham to the picturesque communities of Ferndale, Lynden, and Blaine, there is a diverse range of properties available to suit various budgets and preferences.

With its proximity to the stunning North Cascades and the Salish Sea, Whatcom County offers a wealth of outdoor recreational activities, including hiking, fishing, boating, and skiing. The county is also home to excellent schools, thriving local businesses, and a welcoming community.

If you're ready to explore the real estate opportunities in Whatcom County, get in touch with a local real estate agent who can help you find the perfect home with FHA terms. Start your journey towards homeownership in this beautiful corner of Washington today!

Newest Whatcom Homes with FHA Terms

$995,000
4 Beds ⋅ 3 Baths ⋅ 2560693 MLS ⋅ ACTIVE Status
Welcome to this beautiful 3-Bedroom, 2.5-bath home in the highly desirable Spyglass Estates. This a spacious great room concept home features custom built-ins, a well-appointed kitchen with granite countertops and high-end appliances, and primary suite with a walk-in closet. Enjoy ear-round comfort with central air conditioning and take in peaceful water and sunset views. The fully fenced backyard backs up to a greenbelt, offering added privacy. Conveniently located within walking distance of Barkley Village and also have easy access to restaurants, Haggen grocery store, shopping, banks, a movie theater, and nearby walking and biking trails. This home combines comfort, convenience, and an exceptional location & opportunity in one of the area’s most sought-after neighborhoods.

3336 Stonecrop Way, Bellingham

Listing courtesy of John L. Scott Bellingham.

$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.

$349,000
2 Beds ⋅ 2 Baths ⋅ 2562474 MLS ⋅ ACTIVE Status
Opportunity knocks on 2.68 acres of flat, cleared land just 5 minutes outside Everson — under 30 minutes from Bellingham — with a stunning view of the Sumas Mountains. This 1,551 sq ft, 2-bedroom, 2-bath home features a main-floor primary bedroom, light-filled family room, spacious kitchen, attached garage, and easy potential to finish an additional bedroom upstairs. Outside, the property shines. Sitting on a quiet road, pick from mature fruit trees, blueberry bushes, and established garden beds. A large enclosed shop plus an additional outbuilding offer plenty of room for toys, tools, and machinery. This well-cared for property is AG-zoned, with usable, level ground ready for the next hobbyist’s vision to come to life. Incredible value for acreage — you don’t want to miss this one.

7624 Oat Coles Road, Everson

Listing courtesy of eXp Realty.

$455,000
2 Beds ⋅ 1 Baths ⋅ 2562368 MLS ⋅ ACTIVE Status
Irresistible charm, modern comfort, and an unbeatable location—this Lynden classic is a rare, affordable find! Nestled on a peaceful street, this mid-century home with 2-bed, 1-bath and 1,011 sq ft is brimming with character and warmth. Large, south-facing bay windows fill the living spaces with natural light, while built-in A/C keeps you crisp and cool on hot summer days. Out back, your private outdoor oasis awaits: a spacious, fully fenced backyard with ample room for entertaining, gardening, and play, complete with an 8’x10’ storage shed for all your tools and toys.

1712 D Street, Lynden

Listing courtesy of Windermere RE Whatcom, Inc..

$735,000
3 Beds ⋅ 1 Baths ⋅ 2562502 MLS ⋅ ACTIVE Status
Step into 1924 Craftsman charm in Bellingham's historic York neighborhood, zoned Residential Single (RS), just minutes from downtown Bellingham. This 1 1/2 story home sits on a dead-end street just a 2-minute walk to Harriet Spanel Park and offers 3 bedrooms and 1 bath across 2,592 sq ft, with 1,552 sq ft finished on the main level plus an unfinished 1,040 square foot basement presenting equity opportunity. York sits minutes from Western Washington University, making it one of Bellingham's most established neighborhoods for rental investment. A covered front porch welcomes you in, while original wood details, built ins, and vintage wallpaper carry the home's story through every room. A full kitchen remodel brings modern function without losing any of that character. Outside you'll find stunning cottage gardens, a fully fenced backyard, a detached garage, and alley access, all on a 4,356 square foot lot. York is one of Bellingham's oldest historic neighborhoods, known for its tight knit community and walkability. You're minutes on foot to schools, Civic Field, Arne Hanna Aquatic Center, Bellingham Bells baseball, and local shops and restaurants. Whether you're drawn to the character, the gardens, the location, or the rental potential, 1140 Grant Street is a special one.

1140 Grant Street, Bellingham

Listing courtesy of eXp Realty.

$1,875,000
3 Beds ⋅ 3 Baths ⋅ 2561867 MLS ⋅ ACTIVE Status
Iconic Edgemoor showplace in the heart of Bellingham's most sought after neighborhoods. Distinctive brick exterior and classic Mid-Century architecture situated on over a 1/2 acre site offering privacy and plenty of space for outdoor living. Legacy home owned by one family since the late 1980's and tastefully refreshed over the years retaining the original character with modern touches. Formal living and dining room with massive windows overlooking the yard and spacious central courtyard. Completely remodeled kitchen with custom cabinetry, quartzite countertops and top of the line appliances including wine/beverage refrigerator, built-in coffee station and Induction cooktop/oven. Built-in dining nook in kitchen is the perfect spot for your morning coffee and conversation. Cozy wood paneled den with bar area and brick fireplace. Primary bedroom and bath are recent additions to the original home featuring vaulted ceilings, huge walk-in closet with custom cabinetry and a spa-like bath with stand-alone tub facing a built-in fireplace and a spacious shower. Outside, the large central courtyard offers complete privacy and features a built-in brick fireplace/outdoor barbecue component. Plenty of room for your vehicles with an attached 2-car carport as well as a separate 4-car garage accessed by second driveway with additional space for boat or RV parking. This is truly landmark property offered for the first time in decades.

204 Hawthorn Road, Bellingham

Listing courtesy of Muljat Group.

$825,000
3 Beds ⋅ 2 Baths ⋅ 2561628 MLS ⋅ ACTIVE Status
Experience the best of Sandy Point canal-front living in this 3-bedroom, 1.75-bath home offering approximately 1,700 square feet and direct access to the water. The bright, open kitchen creates an inviting gathering space and flows easily into the living area, where a sliding glass door opens directly to the canal-side patio. The outdoor space offers a wonderfully private feel—perfect for relaxing, entertaining, or watching the activity on the canal. The primary bedroom features peaceful water views, while an additional bedroom offers its own private deck. A main-floor bedroom includes a custom Murphy bed, providing flexible space for guests, a home office, or everyday living. Outside, you’ll find a rare concrete bulkhead and private 40-foot dock, ideal for boating, fishing, kayaking, and crabbing. Sandy Point provides boaters with exceptional access to Matia, Sucia, and the San Juan Islands, making it easy to head out for a day of island exploring, fishing, or cruising. Additional features include an attached garage with a convenient workshop area, generous off-street parking, and a detached storage shed. Community amenities include a 9-hole golf course, swimming pool, pickleball courts, clubhouses, marina, and boat launch. A special opportunity for year-round canal-front living or a memorable coastal getaway.

4045 Saltspring Drive, Ferndale

Listing courtesy of Muljat Group.

$559,998
3 Beds ⋅ 2 Baths ⋅ 2562330 MLS ⋅ ACTIVE Status
Tucked into a quiet Ferndale cul-de-sac, this move-in ready 1,280 sq ft rambler offers 3 bedrooms, 1.75 bathrooms, and the ease of single-level living. It’s a great fit for a first-time buyer or anyone looking for a home that feels a little simpler and easier to maintain without giving up outdoor space. Recent updates throughout the property include brand-new siding, fresh exterior paint, new windows and trim, updated light fixtures and ceiling fans, and refreshed kitchen cabinetry that gives the heart of the home a clean, updated feel. Warm wood detailing in the entry adds character as soon as you walk inside. The oversized garage provides plenty of additional room, including a dedicated workbench area for projects, tools, and extra storage. Out back, the new concrete patio, deck, and gazebo create an inviting place to enjoy summer dinners, morning coffee, or quiet evenings while taking in views of Mt. Baker from your own backyard. A new storage shed adds extra functionality, while gravel parking along the side of the home provides additional space for vehicles, a trailer, or recreational toys. Located just minutes from downtown Ferndale, everyday amenities, and the new Ferndale High School, this home offers a peaceful setting with the convenience of town close by.

5868 Sherry Place, Ferndale

Listing courtesy of Windermere RE Whatcom, Inc..

$599,000
3 Beds ⋅ 1 Baths ⋅ 2562560 MLS ⋅ ACTIVE Status
Nestled in Bellingham's highly sought-after Sehome neighborhood, 809 Liberty Street offers the perfect blend of timeless Pacific Northwest charm and an unbeatable location with mountain and city views. Directly bordering the 180-acre Sehome Arboretum with over six miles of scenic trails, nature truly becomes your backyard. This beautifully maintained 1912 Craftsman features three bedrooms, abundant natural light, original architectural details, and versatile bonus spaces ideal for a home office, studio, or recreation room. Thoughtful updates include new insulation, a new electrical panel, new windows, new gutters, new appliances and fresh interior and exterior paint providing modern comfort while preserving the home's historic character. The detached garage is permitted for a studio bonus room, offering exceptional flexibility for guests or a creative workspace! Situated on a generous lot with mature landscaping and mountain views, this property provides privacy, beauty, and room to enjoy the outdoors, all just minutes from Western Washington University, downtown Bellingham, waterfront amenities, shopping, dining, and recreation.

809 Liberty Street, Bellingham

Listing courtesy of eXp Realty.

$795,000
3 Beds ⋅ 3 Baths ⋅ 2561802 MLS ⋅ ACTIVE Status
Endless possibilities in a prime Bellingham location! This versatile property features approximately 2,100 sq ft of total living space, including a main home with 3 bedrooms, 1.5 bathrooms, fresh interior/exterior paint, and an updated electrical panel. Bring your ideas to customize the kitchen to your personal style! The backyard is partially fenced and is bordered by Padden Creek. A major highlight is the potential approximate 650 sq ft ADU complete with its own separate entrance, kitchen, full bath, studio style living area, and a flexible secondary room. Ideal for multi-generational living, a private guest suite, or potential income stream. Conveniently located near Fairhaven, WWU, and trails and easy I-5 access. Buyer to verify square footage and potential ADU permitting/use.

2001 30th Street, Bellingham

Listing courtesy of Keller Williams Western Realty.

$824,500
3 Beds ⋅ 2 Baths ⋅ 2561431 MLS ⋅ ACTIVE Status
Your private outdoor oasis in Bellingham! Enjoy an unmatched, beautifully landscaped yard, with a spacious, solid home ready for your new chapter! Experience this perfect blend of privacy, comfort, and Northwest lifestyle at 2336 Northshore Rd. Tucked into a peaceful setting, this 3 bedroom, 2 bath,1,981sf home set on a half acre property, offers a sense of seclusion while still keeping you close to the outdoor recreation that makes the Northshore/Lake Whatcom area so special. Enjoy nearby access to trails, parks, lake activities, biking, hiking, boating, and all the natural beauty of Whatcom County. Whether you’re looking for a quiet retreat, a basecamp for adventure, or a home that offers both privacy and convenience, this property delivers an exceptional opportunity in a highly desirable location. This home is entertainers dream, only minutes away from schools, shops and restaurants.

2336 Northshore Road, Bellingham

Listing courtesy of Bellwether Real Estate.

$639,000
3 Beds ⋅ 3 Baths ⋅ 2562477 MLS ⋅ ACTIVE Status
Better than new! Once in a while that phrase is actually true, in this case very true. This 2022 built 3 bed 2.5 bathroom home has been lightly lived in and upgraded from its original state a great deal. The location is a premium one at the end of a dead end street with southern exposure backing up to green space on 2 sides with a fully irrigated xeriscape back yard designed to attract bees and hummingbirds, all within view of a privacy screened hot tub! At just over 1,600 square feet, this model feels spacious and light, thanks to the abundance of windows and vaulted ceilings. Enjoy views of the back garden and green belt from the large upper deck with remote controlled awning, just off the living space. Complete with solar panels to offset energy costs, garage electric car charger, and extra parking at the dead-end, this easy living and low maintenance home is completely turn-key and ready for the new owners. The current owners upgraded the appliances significantly including a 36” Verona Italian induction range, custom backsplash, majorly upgraded ventilation hood and higher end refrigerator. This home also features hard surfaces throughout with engineered hardwoods on all surfaces excepting the bathrooms which have custom tile. Add in a community park and garden plots, this home is a complete package and not to be missed!

4844 Northview Court, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

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.