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

$369,900
2 Beds ⋅ 1 Baths ⋅ 2564502 MLS ⋅ ACTIVE Status
Completely remodeled and move-in ready! This beautifully updated 2-bedroom, 1-bath home offers 1,144 sq. ft. of stylish, open-concept living with vaulted ceilings that create a bright and spacious feel. The stunning kitchen features all-new cabinetry, countertops, and appliances, while the home also boasts new flooring throughout, a new roof, and a new washer and dryer—everything has been done for you!Situated on a level 1/4-acre lot, there's plenty of room to garden, entertain, or simply enjoy the outdoor space. A storage shed provides extra room for tools and equipment, and the established garden area is ready for your favorite flowers or vegetables. Whether you're a first-time homebuyer, downsizing, or looking for a turnkey investment, this beautifully remodeled home is ready to welcome you.

921 Ruby Valley Court, Maple Falls

Listing courtesy of Mission Realty, LLC.

$650,000
5 Beds ⋅ 2 Baths ⋅ 2540616 MLS ⋅ ACTIVE Status
Are you looking for a place with some acreage and a home with room to grow in? This three acre rare 5 bdr, 1.75 bath home in the foothills east of Everson is part of a rural community near the former Cloud Mountain Farm. It has been remodeled and updated over time, including newer insulated windows. The roof was just inspected and cleaned, new gutters and a new stove/range & dryer were just installed. Other appliances are also newer. There is a private well and underground water reservoir by the barn & a water treatment system. Plus water from a shared well on the uphill neighbors land. The 5 bdr septic system was recently inspected & repaired with animals fenced out. The Assessor's data shows 2326 sq. ft. and Realist says it's 2700 sq. ft. The attached single garage was used as a workshop. The small barn has a big finished room upstairs. Note the 2500 gallon rain catchment reservoir and EV charger and solar panels connected to the barn. The gentle hillside pasture is fenced and “goat-proofed.” Enjoy the coop for chickens & ducks and gardening with established fruit trees, green house and composting area, and a fenced and screened asparagus garden that’s producing nicely. Recently inspected with many recommended updates completed & satisfactory water test. Buyer to confirm new EV power subscription & PSE solar contract, & Buyer to complete water adjudication application due in 2027. Sold as-is with many useful farm tools and supplies and good neighbors included.

3825 Cabrant Road, Everson

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

$460,750
2 Beds ⋅ 1 Baths ⋅ 2564352 MLS ⋅ ACTIVE Status
Tucked away in the peaceful community of Glenhaven, this charming rustic 2-bedroom, 1-bath cabin offers the perfect blend of nature and comfort. Set on a beautiful lakefront property with access to both Cain Lake and Reed Lake, this home is your private retreat for year-round enjoyment. Cozy up by the wood stove in the main living area or retreat to the lower-level bedroom space featuring a second wood stove—perfect for added warmth and ambiance. Step outside onto the new deck and take in serene water views, wildlife, and the quiet beauty of the Pacific Northwest. The spacious yard offers plenty of room for a firepit, outdoor gatherings, and recreation. A large unfinished basement provides abundant storage or future potential. Whether you're paddle boarding at sunrise, fishing in the afternoon, or unwinding by the water at sunset, this is lake living at its best.

371 Lakeside Drive, Sedro Woolley

Listing courtesy of Windermere RE Whatcom, Inc..

$644,950
4 Beds ⋅ 3 Baths ⋅ 2563825 MLS ⋅ ACTIVE Status
Craftsman-style home boasting soaring 9-foot & vaulted ceilings that create an airy, expansive feel throughout the main living space. The vaulted great room is the true heart of the home, anchored by a cozy hearth and flowing effortlessly into a chef-ready kitchen outfitted with stainless steel appliances — ideal for entertaining family and guests alike. The spacious main-floor primary suite offers a private retreat with a walk-in closet and full bath, thoughtfully separated from the additional bedrooms for maximum privacy, while a versatile den (or 4th bedroom) provides the perfect home office or flex space. Step outside to enjoy the two covered patio areas — a charming covered front porch for morning coffee and a covered rear patio made for relaxing evenings or weekend gatherings. Additional main-level features include a mudroom-style utility room and powder bath for everyday convenience. Upstairs, two generously sized bedrooms share a full bath, offering comfortable space for family or guests. Complete with a spacious 2-car garage, this thoughtfully designed home offers room to live, work, and entertain in style. Finished and move-in ready Located just minutes to Lynden and 20 minutes to Bellingham and affordable!

312 W 3rd Street, Everson

Listing courtesy of Windermere RE Whatcom, Inc..

$574,950
3 Beds ⋅ 2 Baths ⋅ 2563694 MLS ⋅ ACTIVE Status
Welcome to this beautiful brand-new construction featuring 3 bedrooms, 2 bathrooms, and approximately 1,500 square feet of thoughtfully designed living space. The open-concept floor plan offers a spacious kitchen with gorgeous quartz countertops, beautiful cabinetry, and a full suite of brand-new appliances. The modern craftsman exterior provides excellent curb appeal and features a covered front porch, covered back patio, attached 2-car garage, and backyard space perfect for relaxing or entertaining. Quality finishes and stylish details can be found throughout the home, making it completely move-in ready. Whether you're a first-time homebuyer, downsizing, or simply looking for the convenience of new construction, this home offers the perfect blend of comfort, style, and functionality. Schedule your private showing today! Located 5 minutes from Lynden and 20 minutes from Bellingham!!

316 W 3rd Street, Everson

Listing courtesy of Windermere RE Whatcom, Inc..

$639,900
3 Beds ⋅ 2 Baths ⋅ 2563710 MLS ⋅ ACTIVE Status
Stunning 3 bed, 2 bath Craftsman-style home offering over 1800 sq/ft provides a thoughtfully designed floor plan that perfectly balances timeless character with modern comfort.** The inviting vaulted great room is filled with natural light and anchored by a cozy fireplace, creating a warm gathering space that seamlessly flows into the well-appointed kitchen and dining area—ideal for entertaining guests or enjoying everyday living. The main-floor primary suite provides a peaceful retreat, complete with a spacious walk-in closet and private full bath. Upstairs, is a large bonus room area which provides a great flex space. A spacious 2 car attached garage offers ample room for vehicles, storage, and projects, while the covered patio creates the perfect setting to relax outdoors year-round. With its open-concept living spaces, vaulted ceilings, functional layout, and timeless Craftsman architecture, this beautifully designed home offers comfort, flexibility, and exceptional everyday livability. Affordable living only 20 minutes from Bellingham and 5 minutes to Lynden!

320 W 3rd Street, Everson

Listing courtesy of Windermere RE Whatcom, Inc..

$749,000
3 Beds ⋅ 3 Baths ⋅ 2563729 MLS ⋅ ACTIVE Status
Mountain biking or hiking dream location—just a short pedal from the world-class Galbraith Mountain trail system, with the 241-acre paradise of Whatcom Falls Park just down the street, plus access to a great school cluster. Situated in a quiet, 10-home cul-de-sac within the desirable Whatcom Falls neighborhood, this thoughtfully designed new construction home offers 3 bedrooms and 2.5 bathrooms. This bright home lives large, featuring durable, stylish flooring and large windows throughout that flood every space with natural light. The stunning kitchen boasts shaker cabinets, a large quartz peninsula, a custom tiled backsplash, and new stainless-steel appliances. Unwind by the cozy gas fireplace after a lovely ride on Galby. The primary bedroom suite features dual closets and its own bath with a custom tiled shower and double undermount sinks. Additional house highlights include an energy-efficient heat-pump AC & heat in every room, a spacious 2-car garage pre-wired for EV charging, and an energy-efficient heat-pump water heater. A rare opportunity! Don't wait!

2504 Fireweed Lane, Bellingham

Listing courtesy of List4FlatFee.com, LLC.

$615,000
3 Beds ⋅ 2 Baths ⋅ 2562505 MLS ⋅ ACTIVE Status
Move in ready three bedroom home offers the perfect blend of peaceful residential living and convenient access to everything the city has to offer. Large parklike lot with with RV parking and outbuilding ready for your toys or hobbies. Nestled in North Bellingham on a quiet dead end street among established homes and welcoming community atmosphere. Enjoy easy access to nearby parks, scenic walking and biking trails. Abundant outdoor recreation makes Bellingham one of Washington's most desirable places to live. Shopping, dining, and everyday conveniences are just minutes away throughout the area. Minutes from downtown Bellingham's waterfront, local boutiques, breweries, and vibrant arts scene. Close proximity to highly regarded Bellingham Public Schools, including Northern Heights Elementary, Shuksan Middle School, and Squalicum High School. Quick access to Interstate 5, providing an easy connection to downtown Bellingham, Mount Baker adventures, Seattle, and Vancouver, BC. With nearby parks, community events, farmers markets, and endless opportunities for hiking, kayaking, and exploring the Pacific Northwest.

3883 Cindy Lane, Bellingham

Listing courtesy of ONE Realty.

$719,000
5 Beds ⋅ 4 Baths ⋅ 2563157 MLS ⋅ ACTIVE Status
Welcome home to 7326 Everson Goshen Road! Based on the price per square foot, this is one of the best values in all of Northern Whatcom County! This well-built 5 bedroom, 3.25- bath home sits on a large 11,995 square foot lot in a brand-new, and up and coming development. This home has been meticulously maintained over the years with many of the big-ticket items having been replaced or upgraded including the roof, furnace, heat pump, and exterior paint. On the main floor you will enjoy a massive family room offering two distinct living areas. You’ll also enjoy abundant natural light thanks to the large windows and southern exposure. The A-frame structure and high vaulted ceiling create an open, airy feel, and the design includes a large loft-ideal for a bonus room or office space. Unwind at the end of the day in the luxurious en-suite, off of the primary bedroom, featuring a hot tub built in for your own relaxing retreat. Downstairs is a full kitchen with dinning space, 2 bedrooms, a three-quarter bathroom and a spacious living room making this an ideal setup for multi-generational living. Or, you can receive a substantial amount of monthly income by renting out the whole basement area as an additional dwelling unit. Don’t miss this opportunity to make your investment on over 4000 square feet of living space, on a large lot, that is short drive to Lynden and Bellingham!

7326 Everson Goshen Road, Everson

Listing courtesy of Windermere RE Whatcom, Inc..

$650,000
4 Beds ⋅ 3 Baths ⋅ 2563771 MLS ⋅ ACTIVE Status
Spacious 2,943 SF home in a prime Sudden Valley location, offering comfort, flexibility & easy access. This 4-bedroom, 2.75-bath home features a bright, open main level with seamless flow between the living room, dining area, and kitchen, perfect for everyday living & entertaining. Skylights fill the space with natural light, while built-in shelving & a cozy fireplace add warmth & character. Step out onto the deck for effortless indoor-outdoor living. The main level includes a private primary suite with ensuite bath & its own deck access, along with two additional bedrooms & a full bathroom. The finished daylight basement provides incredible versatility with a large family room, bonus room, office, & wet bar, ideal for guests, hobbies, or multi-generational living. With its own exterior access, plus an additional bedroom & bathroom, the lower level offers endless possibilities. Enjoy a low-maintenance yard & private backyard setting. Located on flat roads for easy year-round access, just minutes from the gate & within walking distance to the Lookout Mountain Preserve trailhead. Sudden Valley offers an incredible lifestyle with access to Lake Whatcom beaches, golf course, marina, parks, trails, swimming pools, fitness center & more, making this home not just a place to live, but a place to truly enjoy.

180 Polo Park Drive, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

$549,000
3 Beds ⋅ 3 Baths ⋅ 2563930 MLS ⋅ ACTIVE Status
Enjoy peaceful country living on this beautiful 1+ acre property filled with natural light and scenic surroundings. This thoughtfully updated historic home features a spacious open-concept layout designed for comfortable everyday living and easy entertaining. The kitchen stands out with custom tile work, granite countertops, stainless steel appliances, and a butler’s pantry for added storage and functionality. The bright living and dining areas create a warm, welcoming atmosphere with large windows that bring the outdoors in. The spacious primary suite offers a walk-in closet and private full bath. The home has also been lifted, adding peace of mind and long-term value. Outside, the property offers endless possibilities with room for a potential hobby farm, gardening, animals, or outdoor recreation. Located within walking distance to the river and nearby school, this property combines convenience with the beauty of the Pacific Northwest lifestyle. Surrounded by mountain views and close to the South Fork Nooksack River, outdoor adventure is always nearby, with Mt. Baker Ski Area just 45 minutes away and easy access to Burlington just 35 minutes away!

2115 Valley Highway, Deming

Listing courtesy of RE/MAX Gateway.

$429,900
3 Beds ⋅ 3 Baths ⋅ 2561410 MLS ⋅ ACTIVE Status
Enjoy easy living in Lake Padden Estates, one of Bellingham's most desirable 55+ communities where you own the land with no space rent. Set on two lots, this well-maintained home offers extra privacy, beautiful garden space, and room to spread out. Inside you'll find 3 bedrooms + an office, and 2.75 bathrooms with a comfortable, functional layout. The primary suite features an updated bathroom with a walk-in shower, soaking tub, and laminate wood flooring. The kitchen has been refreshed with new flooring and updated fixtures, and several lighting and plumbing fixtures throughout the home have also been updated. Step outside to the covered deck overlooking established flower beds and a private greenhouse; a great space for anyone who enjoys gardening or relaxing outdoors. The attached two-car garage includes a finished 234-square-foot studio with a refrigerator and its own ¾ bath, making it ideal for a home office, guests, rental (person must be 55+), caretaker or additional workspace. A second driveway provides extra parking for visitors or recreational vehicles. Located just minutes from Lake Padden, you'll have easy access to walking trails, golf, and some of Bellingham's favorite outdoor recreation. If you've been looking for a home with space, flexibility, and a great location, this is one you won't want to miss.

4949 Samish Way Unit #6, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

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