Elma Homes with FHA Terms

Elma Homes with FHA Terms

Elma, a charming city located in Grays Harbor County, Washington, is a delightful place to call home. Situated in the beautiful Pacific Northwest region of the United States, Elma offers a perfect blend of small-town charm and natural beauty.

The neighborhood of Elma is known for its friendly community, picturesque landscapes, and a range of amenities that cater to residents' needs. With a population of around 3,000 people, Elma provides a close-knit community atmosphere where neighbors become friends.

For those looking to buy a home in Elma, there is good news. FHA terms are available for purchasing homes in this area. The Federal Housing Administration (FHA) provides loans with favorable terms and lower down payment requirements, making homeownership more accessible for many buyers.

With FHA terms, homebuyers can enjoy benefits such as flexible credit requirements and lower interest rates. This option is particularly helpful for first-time homebuyers or those with limited financial resources.

Elma offers a range of housing options, from cozy single-family homes to spacious properties with ample yard space. Whether you prefer a quiet suburban neighborhood or a more rural setting, Elma has something to suit every taste.

In addition to its residential appeal, Elma boasts scenic parks, recreational opportunities, and a thriving downtown area with local shops and restaurants. The city's convenient location also allows for easy access to nearby cities like Olympia and Aberdeen.

If you're seeking a peaceful and welcoming community with FHA terms available for homebuyers, Elma is an excellent choice. Discover the beauty and warmth of this Pacific Northwest gem and find your perfect home in Elma, Washington.

Newest Elma Homes with FHA Terms

$444,950
3 Beds ⋅ 2 Baths ⋅ 2564942 MLS ⋅ ACTIVE Status
High quality new construction Rambler! Yard will be hydroseeded prior to closing. Home offers a 3 bed 2 bath one-story layout that can suit many different needs. Exterior siding & trim are hardie board products that carry a 30 year warranty. Interior finishes include white shaker cabinets, quartz countertops, lifeproof vinyl plank flooring, stainless steel appliances and much more! Examples of finishes can be given upon request. High efficiency heat pump means no more hot days or chilly nights inside your new home. Welcome home! **Home is currently under construction** Estimated completion date of October 23, 2026. Garage will be a 2-car garage.

6 Hobble Creek Street, Elma

Listing courtesy of eXp Realty.

$365,000
3 Beds ⋅ 2 Baths ⋅ 2565293 MLS ⋅ ACTIVE Status
Move in ready comfort meets modern upgrades in beautiful Elma! Welcome home to 1710 W Young St, Elma WA! This well cared for 3 bedroom, 1.5 bath single story home offers 1,176 SQFT of comfortable living on a fully fenced .14 acre lot. Enjoy a BRAND NEW composition roof, fresh interior paint, new appliances & laminate flooring throughout. Stay comfortable year round w/ central A/C, heat pump & cozy new pellet stove. Entertain on the huge wrap around deck overlooking territorial views. Spacious attached 2 car garage + RV parking for boats, toys & extra vehicles. No HOA! Outbuildings for added storage. All appliances included washer, dryer, refrigerator, dishwasher, microwave & stove. High speed internet & cable ready. Eligible for FHA, VA, USDA & conventional financing. Minutes to downtown Elma shops, dining & freeway access. Elma School District. Low property taxes only $2,843/yr. Don't miss this affordable Grays Harbor gem!

1710 W Young Street, Elma

Listing courtesy of eXp Realty.

$285,000
2 Beds ⋅ 1 Baths ⋅ 2563392 MLS ⋅ ACTIVE Status
An adorable home in Elma: one level with 2 bedrooms 1 bath on 11,326 sqft lot. Maximize your equity with this cottage situated on a spacious lot in Elma, WA. The heavy-hitting exterior projects have already been completed: new asphalt shingle roof (2023), a new water heater (2021), and an exterior paint refresh (2026). The property boasts an expansive, fully fenced backyard complete with an additional outer storage shed and a kids' playhouse. Inside, the layout offers a simple flow with a mix of updated and classic finishes. Perfect for house flippers or portfolio investors looking to capitalize on a property with immediate returns on your investment. What about Elma: its fortuitous location at the interchange of SR 8 and 12, providing quick access to the I-5 corridor both the North and South, modern utility infrastructure, including a state-of-the-art sewage treatment facility and two fiber-optic pipelines, highly rated school district, abounding natural beauty plus and an excellent quality of life for its residents. This home is near city park, schools, shops, and bus route. Whether you are downsizing or looking for that investment property, this home will definitely meet your goals. Contact your favorite broker and see this home today. You will agree Elma is a great place to live and do business

535 N 11th, Elma

Listing courtesy of WOODS Realty.

$799,900
5 Beds ⋅ 3 Baths ⋅ 2561960 MLS ⋅ ACTIVE Status
Perched atop a peaceful hill on 2.4 acres, this stunning custom cedar home offers warmth, space, and beauty. Surrounded by nature & overlooking gorgeous views, this one-of-a-kind property is designed for those who appreciate privacy, comfort, and room to gather. Step inside to an impressive great room where a soaring wall of windows floods the home with natural light. Just below the great room, a spacious rec room provides a flex space for a game room, media room, or gathering area. The expansive kitchen is a dream, feat. an abundance of cabinetry, generous counter space, an island with cooktop, double ovens, and all appliances inc. The oversized dining room is ready to host everything from intimate dinners to large gatherings. Offering 5 generously sized beds/2.25 baths, there's plenty of room for everyone. The private primary room is a retreat, complete with French doors to its own deck, a walk-in closet, & ensuite bath. Cozy up on cool evenings beside the fireplaces. Furnace/heat pump provide efficient heating and AC for year-round comfort. Relax on the expansive front deck while taking in the views, or entertain guests on the massive back deck overlooking your acreage. 2 car attached garage adds conv. while the wooded setting offers the tranquility of country living waiting to be enjoyed. If you've been searching for a home that combines timeless cedar charm, incredible entertaining spaces, stunning views, and peaceful privacy, this property is one you won't want to miss!

14 Overview Lane, Elma

Listing courtesy of Better Properties Grays Harbor.

$434,995
3 Beds ⋅ 2 Baths ⋅ 2554514 MLS ⋅ ACTIVE Status
High quality new construction! Yard will be hydroseeded prior to closing. Home offers a 3 bed 2 bath one-story layout that can suit many different needs. Exterior siding & trim are hardie board products that carry a 30 year warranty. Interior finishes include white shaker cabinets, quartz countertops, lifeproof vinyl plank flooring, stainless steel appliances and much more! Examples of finishes can be given upon request. High efficiency heat pump means no more hot days or chilly nights inside your new home. Welcome home! **Home is currently under construction** Estimated completion date of September 18, 2026. Garage will be a 2-car garage.

3 Hobble Creek Street, Elma

Listing courtesy of eXp Realty.

$434,995
3 Beds ⋅ 2 Baths ⋅ 2554517 MLS ⋅ ACTIVE Status
High quality new construction! Yard will be hydroseeded prior to closing. Home offers a 3 bed 2 bath one-story layout that can suit many different needs. Exterior siding & trim are hardie board products that carry a 30 year warranty. Interior finishes include white shaker cabinets, quartz countertops, lifeproof vinyl plank flooring, stainless steel appliances and much more! Examples of finishes can be given upon request. High efficiency heat pump means no more hot days or chilly nights inside your new home. Welcome home! **Home is currently under construction** Estimated completion date of September 18, 2026. Garage will be a 2-car garage.

15 Hobble Creek Street, Elma

Listing courtesy of eXp Realty.

$339,900
3 Beds ⋅ 1 Baths ⋅ 2554445 MLS ⋅ ACTIVE Status
Nice single story stick built home for sale in the quiet town of Elma! 3 bedrooms. 1 full bathroom with a dual sink vanity. 1250 square feet. Roomy kitchen with pantry, stainless steel appliances and gas range. Spacious living room with gas log fireplace. Dining area with slider that opens to a side yard patio. Laminate floors. Light and bright with lots of windows and vaulted ceilings. White painted doors and millwork. Great condition. New paint inside and out. Vinyl windows, gas forced air heat and gas hot water heater. Newer electric panel. Nice large level lot (75x125) with alley access. Wonderful small community. Close to parks and schools. Short drive to Olympia and easy drive to ocean beaches.

1713 W Martin Street, Elma

Listing courtesy of Group 7 Inc., Real Estate Serv.

$549,000
3 Beds ⋅ 2 Baths ⋅ 2556671 MLS ⋅ ACTIVE Status
Meticulously maintained and move-in ready, this spacious 3-bedroom, 2-bath rambler offers tall ceilings, comfortable living spaces, and a freestanding propane fireplace. The kitchen features brand-new stainless steel appliances, while other recent updates include a brand-new roof and a beautifully remodeled bathroom. Situated on a desirable corner lot, the property offers abundant parking, an attached 484-square-foot garage, and an impressive 960-square-foot shop or additional garage. A large attic and yard-maintenance shed provide even more storage. Step outside to the beautifully cared-for yard and covered deck, where you can relax, entertain, and enjoy the view. This exceptional property offers the space, storage, and pride of ownership buyers are looking for, all just minutes from downtown Elma, schools, shopping, the hospital, and quick highway access. Olympia is approximately 30 minutes away. Come see how much this wonderful home has to offer!

101 S 16th Street, Elma

Listing courtesy of Better Properties Grays Harbor.

$825,000
3 Beds ⋅ 2 Baths ⋅ 2553411 MLS ⋅ ACTIVE Status
Welcome to your own private Northwest retreat on 24.4 acres of beautiful, usable bottom land. This exceptional property offers the perfect blend of modern updates and country living with fenced pastures, creek frontage, a water-supplied greenhouse, horse arena, 4-stall metal shop, garden space, abundant RV parking, and power and water to both the arena and RV area. The beautifully updated 3,000+ sq. ft. home features soaring 17-foot ceilings, 3 bedrooms, 1.75 baths, three fireplaces, a spacious kitchen with Sub-Zero refrigerator, double ovens, breakfast nook, wine storage, built-in intercom, Astro-Vac, and mud room. Extensive renovations have transformed the home, including a stunning remodeled primary suite and bathroom, fresh interior and exterior paint, new carpet throughout, and a spacious new deck perfect for entertaining or taking in the peaceful surroundings. Every improvement has been thoughtfully completed, making this property truly move-in ready. Whether you’re looking for an equestrian property, hobby farm, or private country escape, this one offers the lifestyle you’ve been dreaming of.

32 Thompson Lane, Elma

Listing courtesy of eXp Realty.

$459,950
3 Beds ⋅ 3 Baths ⋅ 2545850 MLS ⋅ ACTIVE Status
Welcome to this charming home just blocks from the heart of downtown Elma, offering the perfect blend of privacy, space, and opportunity. Nestled on a level, wooded lot, this property provides a peaceful setting while remaining close to local shops, restaurants, and everyday conveniences. Inside, you'll find soaring vaulted ceilings with exposed beams that create a warm, inviting atmosphere. The stunning fireplace, crafted from rock quarried in Eastern Washington, serves as a beautiful focal point in the living space. Oak cabinetry, a spacious walk-in pantry, and a functional layout provide an excellent foundation for everyday living. The home features 3++ bedrooms, including and a great room on the lower level, offering flexibility for guests, a home office, or multi-generational living. Outdoor living is equally impressive with a wraparound deck that's perfect for summer barbecues, entertaining friends, or relaxing while taking in beautiful sunset views. A carport, abundant storage, and a large shop offer endless possibilities for hobbyists, mechanics, artists, or additional workspace. With a newer roof, solid construction, and great bones throughout, this home is ready for your personal updates and finishing touches.

1299 Monte Elma Rd, Elma

Listing courtesy of John L. Scott, Inc..

$429,000
4 Beds ⋅ 2 Baths ⋅ 2548567 MLS ⋅ ACTIVE Status
Completely updated property offering a beautiful main home plus a detached ADU, tucked away on a quiet dead-end road in Elma. The 1,496 sq. ft. two-story residence features 4 bedrooms, 1.75 baths, and a dedicated office/bonus room. Updates include fresh interior finishes, new flooring, paint, fixtures, and more, creating a move-in-ready home with modern appeal. New landscaping enhances the property's curb appeal and outdoor enjoyment. The detached 480 sq. ft. ADU has 1 bedroom, and ¾ bath. Whether you're looking for multigenerational living, guest accommodations, rental income potential, or a private workspace, this versatile property offers exceptional flexibility in a peaceful setting.

606 N 5th Street, Elma

Listing courtesy of Oak & Stone Realty Group LLC.

$449,900
3 Beds ⋅ 2 Baths ⋅ 2541354 MLS ⋅ ACTIVE Status
Beautiful Home Under Construction now! Single Level Home on the West End of Town with No Steps to get in the house or garage! This is a Wonderful 3 Bdrm, 2 bath Floorplan with the Great Room Concept for Open Living Space & an Inviting Kitchen with White Shaker Cabinets with Soft-close Doors & Drawers! Quartz Countertops & Big Island perfect for entertaining! Nice Wide Open Spaces and Hallways! Laundry Room/Pantry is amazing! Ductless Heat Pump provides Year 'round Comfort with Maximum Energy Efficiency combined with ICS Construction also provides Superior Wind, Fire, Earth Quake & Moisture protection! Should get you Insurance Savings! Split Bedroom layout for additional privacy! Primary Bedroom has a Full Size Step-in Shower and a Walk-In Closet. Cedar Fencing for extra Privacy! Wonderful Place to Make Your Home! Builder & Preferred Lender Credit of 3% towards Interest rate buy down or Closing Costs Lower your monthly payment!

17 Pebble Creek Court, Elma

Listing courtesy of CENTURY 21 Real Estate Center.

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