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

$1,190,000
3 Beds ⋅ 5 Baths ⋅ 2565620 MLS ⋅ ACTIVE Status
Fantastic Foothills Retreat! 2005 Skillman built custom on private acreage bordered by Maple Creek. Single-story living 445 sf bonus room above the garage, built with every extra. Three-car attached garage plus the dream 5-car garage all with door openers, including RV garage w/14' door and RV outside dump station. Second kitchen is perfect for gatherings. Septic approved for 5 bedrooms.Two wood burning stoves, cathedral & vaulted knotty pine ceilings, 9' ceilings throughout, skylights. Master bath & walk-in shower w/heated floors, plus spa and heated toilet seats w/bidets. Custom cabinetry with tons of storage, 36" doorways, and extra-wide 46" hallways. Central vacuum, circulating hot water system, under-counter & landscape lighting, French drains, double pane windows. So many upgrades including a 36KW Generac generator w/auto transfer switch, metal roof, newer central heat & air, 4,000 gallons owned propane storage. Shared well, 34' deep, never runs dry, and provides excellent-tasting water. Grounds feature a pond w/2 waterfalls, forestry program & timberland classification for tax savings. Just 5 min to Silverlake Park (no admittance charge), 20 min to border crossing, 25 min to Bellingham, 35 min to Mt Baker. A rare, move-in-ready mountain retreat with room for everything.

7630 Bear Ridge Way, Maple Falls

Listing courtesy of Muljat Group.

$869,000
5 Beds ⋅ 4 Baths ⋅ 2565561 MLS ⋅ ACTIVE Status
Experience exceptional new construction in the highly sought-after Drayton Reach community, where residents enjoy access to a shared beach along the saltwater shores of Drayton Harbor. Designed with both luxury and flexibility in mind, this spacious 5-bedroom home offers an open-concept floor plan and breathtaking water views from the upper level. From the moment you step through the defined entry, the quality craftsmanship and attention to detail are immediately evident. Thoughtfully designed for multi-generational living, the home features two primary suites, including a main-level suite that could also function as a private ADU. The expansive living spaces flow seamlessly together, creating an ideal setting for both everyday living and entertaining. The chef-inspired kitchen is complemented by a second kitchen and is conveniently connected to the attached two-car garage by a dedicated mudroom, providing exceptional functionality and storage. A versatile flex room offers the perfect space for a home office, den, or media room while capturing beautiful views of Drayton Harbor. Combining outstanding design, generous living spaces, and an enviable coastal location, this remarkable home offers a rare opportunity to enjoy modern luxury just steps from the shoreline.

1351 Leighton Street, Blaine

Listing courtesy of Windermere RE Whatcom, Inc..

$380,000
3 Beds ⋅ 2 Baths ⋅ 2563678 MLS ⋅ ACTIVE Status
Brand new 2026 Energy Star certified manufactured home in the heart of Sumas! Built approximately 2 feet above the City’s flood elevation requirements, this thoughtfully designed 3-bedroom, 1.75-bath home combines modern comfort with added peace of mind. The open-concept layout centers around a spacious living area that flows seamlessly into a well-appointed kitchen featuring a large island, stainless steel appliances, abundant cabinetry, and generous prep space. The primary suite boasts a dual-sink vanity and a spacious walk-in shower, while a dedicated laundry room provides everyday convenience. Enjoy your morning coffee from the covered front porch, take advantage of alley access to the rear of the property, and appreciate the ease of low-maintenance living. The level lot provides endless opportunities to create the outdoor space you’ve always envisioned, whether it’s a garden, patio, or beautifully landscaped yard. Conveniently located within walking distance of downtown Sumas, local shops, restaurants, and Sumas City Park with sports courts, playgrounds, and a splash pad, this beautiful new home is ready to welcome its first owners.

211 Harrison Street, Sumas

Listing courtesy of van der Velde and Company.

$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.

$665,000
3 Beds ⋅ 3 Baths ⋅ 2565071 MLS ⋅ ACTIVE Status
Tucked away at the end of a quiet cul-de-sac in desirable Tweed Twenty, this sunny, classic home offers timeless curb appeal with its brick façade and welcoming covered front porch. Inside, you'll find a functional, well-designed layout featuring two spacious living areas, a formal dining room, and an updated kitchen with new cabinetry and countertops. Upstairs are three generously sized bedrooms. Recent improvements include luxury vinyl plank flooring, fresh interior paint, remodeled bathrooms, new washer/dryer, and durable Hardie Plank siding on the west side of the home. Step outside to a private, .25 acre backyard with ample room for gardening, entertaining, and hobbies. Ideally located just minutes from Lake Whatcom, Barkley Village, trails, parks, and schools, this home offers the perfect combination of comfort, character, and convenience with room to make it your own.

1311 Sommerset Court, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

$715,000
3 Beds ⋅ 2 Baths ⋅ 2563587 MLS ⋅ ACTIVE Status
Welcome home to this beautifully designed residence offering an ideal blend of comfort, functionality, and location. Vaulted ceilings and skylights fill the open-concept living spaces with abundant natural light, creating a warm and inviting atmosphere. The spacious kitchen features bar seating, a dedicated dining area, and plenty of room to gather, making it perfect for everyday living and entertaining. The thoughtfully designed split-bedroom floor plan provides added privacy, with a spacious main-floor primary suite featuring a beautifully appointed en-suite bath and direct access to a private backyard patio. Step outside to enjoy the partially fenced backyard, complete with a deck, grassy lawn, and peaceful wooded backdrop—offering a tranquil setting with no immediate neighbors behind you. Additional highlights include a large two-car garage and a layout designed for both convenience and comfort. Ideally situated in a central Bellingham location, you'll enjoy quick access to I-5 for an easy commute, while remaining just minutes from Western Washington University, shopping, dining, parks, trails, and schools and downtown Bellingham. Whether you're looking for peaceful surroundings or convenient access to everything Bellingham has to offer, this home delivers the best of both worlds.

814 Nevada Street, Bellingham

Listing courtesy of Real Broker LLC.

$569,900
3 Beds ⋅ 3 Baths ⋅ 2565364 MLS ⋅ ACTIVE Status
Welcome to this inviting mid-century modern home in an established Ferndale neighborhood. The light-filled living room showcases vaulted ceilings, floor-to-ceiling windows, and a cozy wood-burning fireplace. The spacious kitchen opens to a comfortable step-down family room with a gas fireplace and French doors leading to the expansive deck and backyard, perfect for entertaining. Situated on 1/4 acre lot, the property offers plenty of room to garden and play. Upstairs, the primary suite features a large walk-in closet, 3/4 bath, and French doors opening to a private deck. Enjoy peek-a-boo views of Mount Baker from the home's outdoor living spaces, creating a peaceful setting to relax and unwind. Recent updates include newer exterior paint, a newer furnace, hot water heater, and air conditioning. The attached two-car garage provides plenty of space for parking, storage, or hobbies. Conveniently located within walking distance to Ferndale schools, parks, and downtown, this home offers timeless character, functional living spaces, and a convenient location.

6078 Sunshine Drive, Ferndale

Listing courtesy of Bellwether Real Estate.

$624,000
3 Beds ⋅ 2 Baths ⋅ 2561496 MLS ⋅ ACTIVE Status
One block to the Sehome Hill Arboretum trailhead, six miles of forested trails, an 80-ft observation tower, and a hand-cut sandstone tunnel—yet minutes to I-5, Haggen, REI, and WWU. This 1931 Sehome home sits on rare 0.30-acre parcel made of 3 original platted lots, giving you space on every side that's hard to find this close to campus and downtown. UPPER LEVEL: 924 sq ft, 2 bed/1 bath. Hardwood floors just refinished, fresh paint throughout (2026). Main kitchen updated 2025: soft-close cabinetry, pull-out storage, Lazy Susan corners, granite counters, new sink, faucet, and range hood. Milgard windows (2024) in living room, kitchen, bath, and back bedroom/office. Heated tile floors in kitchen and office; gas fireplace. New roof (2017) with stainless gutter guards. LOWER LEVEL: 282 sq ft, .75 bath. A private, self-contained flex space with its own exterior entrance and a 2022 kitchenette finished with granite and custom hardwood cabinetry, ideal as a guest suite, studio, or work-from-home wing. Outside: fully fenced, level backyard with a separate fenced run for dogs or chicken coop, two established garden areas, mature landscaping, concrete stamped patio, composite deck, and west-facing sunset views over the treetops. Gardener's dream: 20+ yrs, Japanese maples & perennials. Three powered sheds (one insulated, one deep enough for a car) plus carport and gravel drive - room for trailers, boats, & gear. A quiet, nature setting minutes from everything Bellingham offers.

137 33rd Street, Bellingham

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

$315,000
2 Beds ⋅ 1 Baths ⋅ 2565441 MLS ⋅ ACTIVE Status
Well-maintained and affordable condo just a short walk from downtown Ferndale. This light-filled, move-in-ready 2-bedroom, 1-bath condo offers convenient ground-floor living. As a bonus, the property showcases views of Mount Baker and the Cascades from the back deck. Enjoy the comfort of radiant ceiling heat, covered parking and a dedicated storage space. Perched high and dry outside the flood zone, this condo offers peace of mind in a convenient location close to Ferndale's shops, restaurants, parks, and everyday amenities.

5807 Hendrickson Unit #106, Ferndale

Listing courtesy of Muljat Group.

$659,000
3 Beds ⋅ 2 Baths ⋅ 2564793 MLS ⋅ ACTIVE Status
Welcome home to this beautifully maintained 3-bedroom, 2-bath home offering over 2,200 square feet of thoughtfully designed living space in one of Everson's desirable newer neighborhoods. Not in the flood zone, high and dry here! The open-concept floor plan is perfect for both everyday living and entertaining, featuring vaulted ceilings, abundant natural light, a cozy gas fireplace with shiplap accents and built-ins, and a spacious kitchen complete with quartz countertops, walk-in pantry, and ample cabinetry. The main-floor primary suite offers a luxurious tile walk-in shower and oversized walk-in closet, while the versatile bonus room above the garage provides the perfect space for a home office, playroom, or media room. Step outside to enjoy the fully fenced backyard with plenty of room to relax, garden, or entertain. Conveniently located just minutes from schools, parks, and downtown Everson, with an easy commute to Bellingham or Lynden. This move-in-ready home combines modern finishes, functional design, and small-town charm—don't miss your opportunity to make it yours!

1304 Cashmere, Everson

Listing courtesy of Mission Realty, LLC.

$695,000
4 Beds ⋅ 3 Baths ⋅ 2564797 MLS ⋅ ACTIVE Status
Fantastic opportunity in one of Bellingham's favorite neighborhoods, just a short jaunt to Whatcom Falls and Bloedel Donovan parks. This custom, four bedroom home with MIL was designed and built by the current owner. It's a solid and timeless example of great design and just needs your imagination to polish it into your dream home. The lower level has been converted to a mother-in-law suite and is outfitted with a full kitchen and full bath. The private entrance allows for lots of options! On the main level, there are two living rooms with potential bay views and four bedrooms including a large primary suite with a walk in closet and spacious bath. It offers unique features, like a sunken living room and beautiful clerestory windows that bring in tons of natural light. The dining room has ample space for large gatherings and includes a lovely, built-in china cabinet. The kitchen is the literally the heart of this home. The layout was carefully thought out with lots of storage and a sweet, curved breakfast bar. Another thoughtful and convenient feature is the built in bookcase that defines an office space that takes advantage of the natural light and flow of the floor plan. The roof was replaced within the last 10 years and the rest of the home is in good condition. There is a fairly steep driveway, but there is ample, flat parking at the top and easy turn-around areas. Update the finishes and you can create a truly stunning home.

2526 Vining Street, Bellingham

Listing courtesy of BHHS Bayside Realty.

$280,250
2 Beds ⋅ 1 Baths ⋅ 2564863 MLS ⋅ ACTIVE Status
Move-in ready and beautifully refreshed, this second-floor condo offers comfort, convenience, and exceptional value in Bellingham's desirable Puget neighborhood. Recent updates include brand-new LVP flooring, new countertops, fresh interior paint, and a new water heater. The kitchen has been thoughtfully updated with nearly all major appliances replaced within the last five years. The functional single-level floor plan features 2 bedrooms, 1 bath, an open living area, and a private balcony for enjoying fresh air and morning coffee. Enjoy the ease of low-maintenance condo living with assigned parking and HOA dues that include water, sewer, garbage, and common area maintenance. Conveniently located just moments from Whole Foods, Fred Meyer, shopping, dining, public transit, and I-5 access. With no rental cap, this property presents an excellent opportunity for both owner-occupants and investors alike. Whether you're looking for your first home, a downsizing option, or an investment property, this updated condo is ready to welcome you home.

1251 Nevada Street Unit #17, Bellingham

Listing courtesy of Keller Williams Western Realty.

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