Whatcom County Homes with FHA Terms

Whatcom County 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 County Homes with FHA Terms

6069 Rossie Lane, Ferndale
$645,000
4 Beds ⋅ 3 Baths ⋅ 2590358 MLS ⋅ ACTIVE Status
Welcome to 6069 Rossie Lane, located in the highly sought-after Rossie Lane neighborhood of Ferndale, this charming 3-bedroom, 2.5-bath home offers 2,278 sq. ft. of modern finishes, an open layout, and plenty of flexible living space. The open main level centers around a spacious kitchen with stainless steel appliances, oversized island, breakfast bar, and generous storage. The adjoining living and dining areas create an ideal space for entertaining, while shiplap and brick accents add warmth and character. Upstairs, the primary suite features a walk-in closet and ensuite bath with dual vanity and glass-enclosed shower. Two additional bedrooms and a versatile bonus room provide options for an office, media room, guest space, or additional bedroom. Complete with a large laundry room and drop zone, two-car garage, fenced yard, and deck, this home offers the space and flexibility today's buyers value. Close to schools and local amenities, 6069 Rossie Lane is a standout opportunity in a desirable Ferndale neighborhood.

6069 Rossie Lane, Ferndale

Listing Broker: Realty One Group Turn Key; David Crisp; 253-330-0816; davidraycrisp@gmail.com

5823 Northwest Drive, Ferndale
$495,000
3 Beds ⋅ 2 Baths ⋅ 2588333 MLS ⋅ CONTINGENT Status
Rare opportunity in a desirable Ferndale location! This inviting 3-bedroom, 2-bath, 1,088 sq ft home features a bright, open floor plan and sits on a nearly one-acre, level lot with exceptional versatility. Whether you're looking for space for hobbies, vehicles, equipment, storage, or future plans, this property offers room to make it your own. A spacious 2-car detached garage is complemented by a large 2-door shop, providing abundant workspace and storage with the flexibility for vehicle projects, a workshop, equipment, or potentially operating a personal business from the property. The level lot features established apple, blueberry, and raspberry plantings, adding to its appeal and functionality. You'll also find a full RV hookup, making the property especially versatile for RV owners and guests. Enjoy the convenience of being just minutes from both Ferndale and Bellingham, while having nearly an acre of usable space. With an open-concept home, outbuildings, established fruit and berry plants, RV hookup, and a flat lot in a desirable location, this property offers a unique combination of comfort, workspace, and opportunity.

5823 Northwest Drive, Ferndale

Listing Broker: Windermere RE Whatcom, Inc.; George Geer; 360-739-0987; georgegeer@windermere.com

2303 30th Street, Bellingham
$1,119,000
4 Beds ⋅ 3 Baths ⋅ 2590265 MLS ⋅ ACTIVE Status
Room to live, work and recharge in this 3,171 sq. ft. Happy Valley contemporary, set on nearly half an acre with a wooded backdrop, exceptional flexibility & convenient access to Fairhaven, I-5, the Interurban Trail and Galbraith Mountain’s renowned mountain-biking trails. Built in 2019, the bright, welcoming interior features high ceilings, expansive windows & an open, flowing main level. The generous kitchen combines granite countertops, abundant cabinetry & a full-size side-by-side refrigerator & freezer-ideal for everyday living & entertaining. Create the spaces that fit your life: main-floor bedroom or office/guest room, spacious upstairs living & the expansive walkout basement adds an entirely separate level of usable living space, anchored by an oversized finished rec room with plenty of room for a media lounge, game tables or gatherings. A separate partially finished downstairs room creates an ideal dedicated space for muddy bikes, fitness equipment, or storage. Generously sized primary suite includes a walk-in closet, soaking tub & oversized shower, while the very spacious fourth upstairs bedroom with french doors offers even more versatility-possibly an additional rec room. Ample parking provides space for guests, RV or extra vehicles. Enjoy generous living space, storage & a location that keeps outdoor recreation, Historic Fairhaven, south Bellingham amenities & north-south travel within easy reach. Seller will consider helping w/ interest rate buy-down w/ offer.

2303 30th Street, Bellingham

Listing Broker: Windermere RE Whatcom, Inc.; Stacy Osterkamp; 360-927-3084; stacyosterkamp@windermere.com

5061 South Pass Road, Sumas
$1,199,000
3 Beds ⋅ 3 Baths ⋅ 2590190 MLS ⋅ ACTIVE Status
Discover your own private Northwest retreat on 8.75 wooded acres! Tucked behind a gated paved entrance, this beautifully designed home combines peaceful country living with quality finishes, thoughtful details & flexible living spaces. The light-filled main level offers easy one-level living with a spacious primary suite, soaring ceilings, expansive windows & a dramatic floor-to-ceiling stone fireplace. The open-concept gourmet kitchen features quartz countertops, custom cabinetry, premium appliances & generous space for gathering and entertaining. Step outside to the large deck overlooking the private, wooded surroundings. The fully finished daylight basement expands the possibilities with a second living area, partial kitchen, two additional bedrooms, full bath, second laundry hookup & separate entrance opening to a covered patio—ideal for guests, multi-generational living or potential ADU-style use. Beautifully landscaped grounds, mature trees & acreage provide privacy and room to enjoy the outdoors, with potential space for a future shop or additional improvements (buyer to verify). Additional features include a propane backup generator & ductless heat pump with A/C . A unique opportunity to enjoy space, privacy & versatility just 30 minutes from Bellingham.

5061 South Pass Road, Sumas

Listing Broker: RE/MAX Whatcom County, Inc.; Tammy Parker; 360-739-5474; tammyparker@nwhomes.net

2529 Bora Bora Court, Blaine
$799,000
3 Beds ⋅ 4 Baths ⋅ 2590197 MLS ⋅ ACTIVE Status
Welcome to this 2,874 SF, 3-bed, 3.25-bath home in Drayton Reach! Completed in 2024, never lived in, this home offers the feel of new construction with custom finishes throughout. Nearby walking trails and neighborhood water access. Natural light fills the open living space through large windows accentuated by light colors. The living room features a soaring two-story ceiling, a dramatic cascading crystal chandelier, and an electric fireplace framed by floor-to-ceiling Cosmic White stacked stone. The kitchen features a crystal chandelier above the island with bar seating, waterfall-edge island, integrated accent lighting, stainless steel appliances, a smart refrigerator with ThinQ technology, and a gas cooktop. The floor plan includes two ensuite bedrooms: the main-floor primary bedroom has an attached 3/4 bath, while the spacious upstairs bedroom suite features a full bath with separate tub and shower, plus access to a private balcony with views toward Drayton Harbor. A third upstairs bedroom includes a large walk-in closet; another full bath located off the hall. A dedicated office on the main level and a spacious bonus room above the garage provide additional options. Custom selections include Chantilly Lace interior walls, Driftwood Beach waterproof luxury vinyl plank flooring, polished Carrara bathroom tile, clear-glass deck railing, and other thoughtfully selected finishes. Walking distance to Montfort Park at the waterfront. This Drayton Reach home is ready for you!

2529 Bora Bora Court, Blaine

Listing Broker: Keller Williams Western Realty; John W Ramsey; 360-499-2221; johnramsey@kw.com

2113 Lancaster Drive, Ferndale
$614,900
3 Beds ⋅ 3 Baths ⋅ 2589255 MLS ⋅ ACTIVE Status
Nearly new and truly impressive, this beautifully designed Ferndale home delivers the space, style, and flexibility you’ve been waiting for! Offering nearly 2,200 sq. ft. of thoughtfully designed living space, this 3-bedroom, 2.5-bath home is perfectly positioned near shopping, schools, parks, and everyday conveniences. Step inside to a bright, open-concept layout where the kitchen, dining, and living spaces flow effortlessly together—perfect for entertaining or simply enjoying everyday life. The stunning kitchen features quartz countertops, crisp white soft-close cabinetry, stainless steel appliances, and a large walk-in pantry. The main level also offers a private primary suite with a spacious walk-in closet and beautiful en-suite bath, plus a versatile den ideal for a home office, study, or flex space. Upstairs, discover two generously sized bedrooms, a full bath, and an oversized loft ready to become whatever you need—media room, gym, playroom, office, or second living space. A spacious utility room adds even more function. Outside, the covered patio creates the perfect year-round space for relaxing, entertaining, or enjoying your morning coffee. The large 2-car garage offers plenty of room for vehicles, storage, and all the extras. Modern, spacious, stylish, and move-in ready—this is the kind of home that checks all the boxes and feels like home the moment you walk in.

2113 Lancaster Drive, Ferndale

Listing Broker: Keller Williams Western Realty; Katie Sentinella; 360-770-0057; k.sentinella@kw.com

6069 Hatton Place, Ferndale
$509,000
3 Beds ⋅ 1 Baths ⋅ 2590137 MLS ⋅ ACTIVE Status
Quaint 3 bedroom home set on a large flat and open view lot in a very desirable location. New exterior paint. New carpet, new trim and total interior paint, a clean and affordable home, that will still need some minor loving care. Newer heating system, AC and heat by 4 mini-splits inside the home. Open floor plan design, gas fireplace in an over-sized living room, dining room area that has many large windows for saturation of natural light. Kitchen is also large, with lots of counter space and extra cabinets, and includes a nice big eating bar and access to the backyard patio. 3 bedroom, 1 bath and a single car garage, at a very affordable price, all on a quiet lane with sunshine on a sunny day and views to the west including a bit of Mt Baker. Come see to appreciate. A home ready for the right buyer who wants to make the large yard and a decent home even better.

6069 Hatton Place, Ferndale

Listing Broker: eXp Realty; Rick Moore; 360-201-8341;

1351 Leighton Street, Blaine
$789,000
5 Beds ⋅ 4 Baths ⋅ 2589854 MLS ⋅ ACTIVE Status
Experience exceptional new construction in the highly sought-after Drayton Reach community, at the lowest price per square foot for new construction...on a lovely lot, with beautiful saltwater views and high-end finishes! Residents in this waterfront community 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 Broker: Windermere RE Whatcom, Inc.; Lynda L. Hinton; 360-303-1023; lynda@lyndahinton.com

5419 Nimbus Place, Ferndale
$650,000
3 Beds ⋅ 3 Baths ⋅ 2589485 MLS ⋅ ACTIVE Status
This exceptionally maintained single-level home offers quick and easy access to Bellingham & Downtown Ferndale while tucked away on a quiet cul-de-sac. Positioned on one of the larger corner lots in the neighborhood, this spacious 1/4-acre property is beautifully landscaped and fully fenced, offering plenty of room for gardening, grilling, entertaining, and enjoying indoor-outdoor living. Inside, the open layout, vaulted ceilings, and abundant windows create bright and inviting living spaces that are perfect for everyday living and gathering with friends. Custom woodwork adds warmth and character throughout, from the custom bar and office nook to the eating area, shelving, and pantry. The wonderfully renovated primary bathroom features a spa-like experience with modern finishes, a relaxing soaking tub, walk-in shower, beautiful tile work, and marble countertops. The covered tiger wood front and back decks provide inviting spaces to enjoy the surrounding yard. The kitchen offers high-end stainless steel appliances, wolf range, spacious granite countertops and island with counter seating, and flows seamlessly to the custom-built dining area. The two-car garage offers ample room for parking, gear storage, and hobbies while the expansive driveway offers additional parking, even for an RV. With its thoughtful updates, craftsmanship, and generous corner lot, this is a home that offers both comfort and character in a peaceful setting.

5419 Nimbus Place, Ferndale

Listing Broker: John L. Scott Bellingham; Luis Vasquez; 360-527-5485; luis@johnlscott.com

521 W Illinois Street, Bellingham
$610,000
2 Beds ⋅ 1 Baths ⋅ 2585557 MLS ⋅ ACTIVE Status
Vintage charm meets thoughtful updates in this inviting 1926 home in Bellingham’s Cornwall Park neighborhood. Offering 2 bedrooms, 1 bath and 1,147 sq ft, the home features solid mahogany kitchen cabinetry, beautiful butcher block counters, hardwood kitchen flooring and stainless-steel appliances. Fresh living room paint and new recessed lighting brighten the living spaces, while an updated bathroom with a clawfoot tub adds timeless appeal. French doors open to the back deck and yard, perfect for outdoor dining or relaxing. The insulated, finished detached garage is wired for 220V, with two additional off-alley parking spaces. The home also comes with a thoughtfully designed detached ADU plan set, fully permissible within Bellingham, offering an exciting opportunity to expand the property’s potential. Practical improvements include a new electrical panel, a sewer line replaced in 2019 and new washer and dryer. A freshly stained front door welcomes you home, with nearby parks and Bellingham amenities close at hand.

521 W Illinois Street, Bellingham

Listing Broker: John L. Scott Bellingham; Hannah Marie Jones; 206-676-2793; HannahJones@johnlscott.com

1704 22nd Street, Bellingham
$510,000
2 Beds ⋅ 1 Baths ⋅ 2588773 MLS ⋅ ACTIVE Status
Living in Happy Valley is the Bellingham dream. Weekend walks to Fairhaven. Miles of nearby trails. Easy access to the waterfront. WWU just minutes away. It's the kind of neighborhood where you spend less time in your car and more time enjoying everything that makes Bellingham such a special place to call home. Now it's your turn.Thoughtfully updated with new flooring, fresh interior paint, updated lighting, and a handicap-accessible bathroom, this charming home is move-in ready while still leaving room to make it your own. Upstairs, the finished attic (not included in sq footage) provides a flexible bonus space-perfect for a hobby/playroom, creative studio, home office, or simply the extra storage every homeowner appreciates. Picture yourself spending evenings in the backyard with friends, growing a garden you've always wanted, or hopping on your bike to explore the trails just min. from your front door. The long driveway provides plenty of off-street parking, while the carport offers exciting potential to become an enclosed garage or create the perfect place to store bikes, paddleboards, kayaks, skis, and all the gear that comes with living the PNW lifestyle. Homes that make Happy Valley homeownership attainable don't come along often. And if your story eventually leads you somewhere new, this is the kind of home you may find yourself wanting to keep—a place that can continue serving you as a long-term investment in one of Bellingham's most enduring neighborhoods.

1704 22nd Street, Bellingham

Listing Broker: Windermere RE North, Inc.; Tracie M Gulit; 360-201-6433; tracieg@windermere.com

4541 Noel (Lot 65) Street, Blaine
$562,950
5 Beds ⋅ 3 Baths ⋅ 2589343 MLS ⋅ ACTIVE Status
Great Opportunity for Affordable New Construction home featuring 2154 sq ft plan has 5 Bedrooms, 3 baths plus Bonus Room. Lot backs to the Natural Area, no neighbors to the West, sunny afternoons with covered back patio. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large bath and walk-in closet. Full forced air heat and A/C. Great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. Buyer to choose finishes. Border Crossing is just 5 miles away. Don't miss the opportunity on the great pricing. 2-10 Warranty included. Ready for end of December closing. Models Open Thurs-Mon 12-5PM.

4541 Noel (Lot 65) Street, Blaine

Listing Broker: Windermere RE/Lake Tapps, Inc; Stu Clifford; 253-988-0925; stucliff@windermere.com

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