Ferndale Homes with FHA Terms

Ferndale Homes with FHA Terms

Located in Whatcom County, Washington, Ferndale is a charming neighborhood that offers a delightful mix of suburban living and natural beauty. Situated in the United States, Ferndale is known for its friendly community, excellent schools, and convenient access to various amenities.

One noteworthy feature of Ferndale is the availability of homes with FHA terms. FHA, or Federal Housing Administration, loans provide an opportunity for potential homeowners to secure financing with more flexible terms and lower down payment requirements. This makes homeownership more accessible and affordable for individuals and families.

In Ferndale, you'll find a range of homes that qualify for FHA loans, allowing buyers to take advantage of these favorable terms. Whether you're a first-time homebuyer or looking to upgrade to a larger property, Ferndale offers a variety of options to suit different budgets and preferences.

Living in Ferndale means enjoying a peaceful and safe environment, surrounded by stunning natural landscapes. The neighborhood is known for its picturesque parks, hiking trails, and nearby mountains, providing plenty of opportunities for outdoor activities and relaxation.

Furthermore, Ferndale boasts a vibrant downtown area with local shops, restaurants, and community events. Residents can easily access essential amenities, including grocery stores, healthcare facilities, and recreational centers.

If you're considering a move to Ferndale, you'll discover a welcoming community, affordable housing options with FHA terms, and a convenient location that combines the tranquility of suburban living with easy access to urban amenities.

Newest Ferndale Homes with FHA Terms

$599,000
3 Beds ⋅ 3 Baths ⋅ 2575838 MLS ⋅ ACTIVE Status
Perfectly maintained and truly move-in ready — a beautiful modern home tucked at the end of a quiet Whiskey Creek cul-de-sac, with a private backyard that backs to nearly nine acres of conservation easement. No rear neighbors, and a recorded easement means it stays that way.The open-concept main floor centers on a great room that flows into the dining area and kitchen — easy to live in, easy to entertain in. Upstairs holds all three bedrooms, including a primary suite with a massive walk-in closet and a large private bath with double vanity. The layout is genuinely thoughtful, with real separation between the rooms.Outside: a flat, fully fenced lot, a private patio built for summer evenings, and Hardie plank siding that keeps the maintenance low. Built in 2014 — 1,942 square feet, a large 400 sq ft two-car attached garage, and gas forced-air heat.Best of both worlds on location: a no-through-traffic cul-de-sac that stays quiet, yet Portal Way puts you on I-5 in minutes and Bellingham is a short run up the freeway. Whiskey Creek Park is right around the corner.And a great price. What more could you want?

1827 Billie Court, Ferndale

Listing courtesy of Bellwether Real Estate.

$659,000
4 Beds ⋅ 3 Baths ⋅ 2575848 MLS ⋅ ACTIVE Status
Every neighborhood has one home that stands above the rest—and this is it. Ideally situated on one of the finest view lots in Ferndale's highly sought-after Meadows neighborhood and built with exceptional care for the builder's own father, this beautifully maintained 4-bedroom, 3-bath home offers nearly 2,000 square feet of bright, open living space designed for both comfort and entertaining. The thoughtfully designed floor plan features a desirable main-level primary suite, spacious great room with a cozy gas fireplace, stainless steel appliances, and an expansive upstairs bonus room that easily serves as a fourth bedroom, media room, or home office. Large windows fill the home with natural light while showcasing the peaceful views beyond. Step outside to the largest covered patio in the neighborhood—an incredible year-round outdoor living space perfect for relaxing, entertaining, or simply taking in the surrounding scenery. Scenic walking trails, open green space, and a quiet setting make The Meadows one of Ferndale's most desirable communities. If you've been waiting for one of the neighborhood's premier homes, this is your opportunity. Fully inspected (home inspection report available) and ready for you!

2760 Jessie Court, Ferndale

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

$649,900
3 Beds ⋅ 3 Baths ⋅ 2575190 MLS ⋅ ACTIVE Status
Welcome to Douglas Farm, where modern design, generous spaces, and effortless living come together in one of Ferndale’s newest communities. Built in 2025, this 2,300 sq ft home was designed to live big. The bright, open main level centers around a showpiece kitchen with quartz countertops, an oversized island, gas range with hood, abundant storage, and plenty of room for everyone to gather. The kitchen flows seamlessly into the dining and living spaces, where 9-foot ceilings, large windows, and an elegant fireplace create a warm, elevated atmosphere. Upstairs, a sun-filled loft adds the kind of flexible space today’s lifestyle demands, whether it's a home office, media room, playroom, or second lounge. Three spacious bedrooms include an impressive primary suite with a beautifully appointed en suite bath and oversized walk-in closet, while the upstairs laundry keeps everyday life conveniently organized. Outside, the fully fenced and landscaped low maintenance backyard extends the living space with a deck ready for summer dinners, morning coffee, and weekend entertaining. Central A/C, an EV charger, and thoughtful modern finishes complete the package. Nearly new, beautifully finished, and just minutes from downtown Ferndale with convenient access to Bellingham and the Canadian border, this is the kind of home that makes everyday living feel like an upgrade.

2407 Barn Door Court, Ferndale

Listing courtesy of COMPASS.

$539,950
4 Beds ⋅ 3 Baths ⋅ 2575446 MLS ⋅ ACTIVE Status
Great Opportunity for Affordable New Construction home featuring 2064 sq ft plan has 4 Bedrooms 3 baths plus Bonus Room. Fully fenced yard and all appliances included. 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 shower, bath tub(optional upgrade) and walk-in closet. Full forced air heat and A/C. Fully fenced and finished backyard, all appliances. 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. Home is complete. Border Crossing is just 5 miles away.

4519 Cirque (Lot124) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$650,000
3 Beds ⋅ 2 Baths ⋅ 2575161 MLS ⋅ ACTIVE Status
In Town Oasis! Enjoy both country and town living with nearly ½ acre just several blocks from downtown Ferndale. This updated two-story farmhouse offers beautiful territorial views and plenty of space for gardening, entertaining, and enjoying the outdoors. The home features 3 bedrooms, 2 baths, enclosed carport, a shop/garage, and plenty of parking space. Garden enthusiast will love the expansive fenced space for garden, greenhouse, and rainwater catchment system. Raspberries, grapes, strawberries and blueberries are all established for year after year production. Mature apple and pear trees add to the property’s country charm. Inside, enjoy this updated home while relaxing by the gas stove and enjoying the beautiful and tranquil surroundings through the large living room picture windows. This is a unique opportunity to enjoy the spacious landscape, convenient location to town, highway, schools, parks and developmental opportunities this property provides.

1934 Somerset Street, Ferndale

Listing courtesy of John L. Scott Bellingham.

$560,950
5 Beds ⋅ 3 Baths ⋅ 2575138 MLS ⋅ ACTIVE Status
Model Open 12-5PM Thurs-Mon. MTT's highly anticipated Grand Opening of Whisper Lake Division II in Birch Bay/Blaine. Home backs to Open Space. Great Opportunity for Affordable New Construction home featuring 2154 sq ft plan has 5 Bedrooms, 3 baths plus Bonus Room. 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. Fully fenced and all appliances. Great area walking distance to Birch Bay with restaurants and shopping. Within 5 miles of Peace Arch Border Crossing! Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes.

4509 Noel (Lot 81) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$584,950
5 Beds ⋅ 3 Baths ⋅ 2575152 MLS ⋅ ACTIVE Status
Model Open Thurs- Monday 12-5. Great Opportunity for Affordable New Construction home featuring 2319 sq ft plan has 5 Bedrooms, 3 baths plus Bonus Room, Corner lot that backs to Green Area. 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 (optional upgrade) large shower and walk-in closet. Full forced air heat and A/C. Buyer to choose finishes at Design Center. Covered back patio 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. Just minutes from the Border crossing.

4501 Noel (Lot 85) Street, Blaine

Listing courtesy of Windermere RE/Lake Tapps, Inc.

$669,000
3 Beds ⋅ 3 Baths ⋅ 2571611 MLS ⋅ ACTIVE Status
Better than new & less than a year old! This beautifully upgraded 1,914 sqft craftsman offers 3 bedrooms 2.5 bathrooms & all the benefits of new construction without the added expense. Owners have spent over $30K inside & out, professional landscaping, fully fenced yard, upgraded window treatments, light fixtures & more. A/C & heating for year round comfort with reduced energy costs through Solar & net credits saved to offset winter usage. Inside, the open-concept layout is filled with natural light from southern exposure & centered around a spacious living room with a cozy fireplace & custom mantle. The kitchen features a large island, walk-in pantry, & ample space for cooking & entertaining, while the adjacent dining area flows seamlessly into the main living space. Upstairs, the spacious primary suite features an ensuite with a soaker tub & walk-in closet. Thoughtful upgrades continue throughout, including black fixtures, upgraded stove/range, extra storage & car charger in garage, additional laundry cabinetry & counter space. With extensive upgrades, transferable 2-10 warranty coverage, additional system & structural warranties, this is a rare opportunity to enjoy a new home where all the work is already done!

5949 Ranch Loop, Ferndale

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

$579,000
3 Beds ⋅ 3 Baths ⋅ 2573565 MLS ⋅ ACTIVE Status
This barn stylized but modern mountain view home situated on a large fenced garden lot in the city is set back from the main road giving it a country air while actually being centrally located in the city and within walking distance of downtown Ferndale as well all level of schools. Built in 1994 from a 1951 barn moved to the location this lovely and unique home has all the modern conveniences of a new home utilizing timeless finishes; high beamed ceilings are combined with a sleek kitchen (with a farm sink of course) and huge hay loft third floor room all giving appropriate nods to the structure's roots while the mountain side second floor exterior deck off the primary bedroom allow one to fully enjoy the creative expansion this home exudes. The East facing upstairs deck showcasing sunrises over Mount Baker will bring joy to your heart and provide a comfortable Summer time retreat from the heat of the day while the fenced yard helps keep the world at arms length and keeps chickens and doggo safe too. Come see for yourself this design magazine level home and well, you may just want to stay on the farm--3 beds, 2.5 baths, & two cozy living areas, it’s the perfect place to settle in. Features two year old exterior paint, newer appliances, A/C, on-demand hot water, fully fenced yard, garden spot, and outdoor play set.

5845 Vista Drive, Ferndale

Listing courtesy of Muljat Group.

$3,500,000
2572813 MLS ⋅ ACTIVE Status
ONE-OF-A-KIND BOARDWALK/RIVERFRONT 8-PLEX! Rare opportunity to own two separate 4-plexes offered together as an exceptional 8-unit multifamily property in the heart of Ferndale. Centrally located alongside the Boardwalk and river, next to the park and close to restaurants, schools, shopping, and other amenities. Each spacious unit is approximately 1,800 sq. ft. with 4 bedrooms and 3 bathrooms, plus large balconies/decks offering beautiful river and mountain views. Additional features include easy-care laminate flooring, walk-in closets and covered parking beneath the units. A STANDOUT FEATURE IS THE ATTACHED MOTHER IN LAW SUITE IN EVERY UNIT, CONNECTED BY DOUBLE DOORS. This unique and versatile space offers exceptional flexibility for multigenerational living, guests, a home office or potential additional income. With spacious floor plans, covered parking and an incredible riverfront setting, this property offers far more than a traditional multifamily investment. Two 4-plexes, eight spacious units and a truly one-of-a-kind boardwalk/riverfront location make this a rare Ferndale opportunity!

2002 2008 Cherry Street, Ferndale

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

$619,000
4 Beds ⋅ 3 Baths ⋅ 2572962 MLS ⋅ ACTIVE Status
Attractively Priced! Well-maintained 2-story home in desirable Pacific Highlands featuring 4 bedrooms, 2.5 baths, and a 2-car garage on a corner lot. Recent updates include brand-new carpet and fresh interior touch-ups, creating a clean, move-in-ready feel. Built in 2005, this home offers a functional open-concept layout with spacious living and dining areas and a kitchen with center island. Upstairs features all four bedrooms, including a primary suite with en-suite bath and walk-in closet, plus a conveniently located laundry room. Additional bedrooms provide flexibility for a variety of household needs, including a home office, hobby space, or guest accommodations. Enjoy the covered front and rear porches along with a concrete backyard offering versatile outdoor space. Situated on a corner lot, the property offers additional frontage and an open feel. Appliances included: dishwasher, range/stove, microwave, refrigerator, washer, and dryer. Now offered at a new price. Ready for its next owner. Buyer to verify all information to their own satisfaction.

2650 Glenmore Street, Ferndale

Listing courtesy of Doug Freeman Real Estate.

$815,000
3 Beds ⋅ 3 Baths ⋅ 2523978 MLS ⋅ ACTIVE Status
Classic Craftsman style re-design and full remodel completed in 2026. This home presents beautifully inside and out with black, gray, white and natural wood tones. Located within the City of Ferndale, zoned commercial yet presents very rural. Large covered porch with a classic Craftsman presentation. Main and upper levels are 1,850 SF. Kitchen is well-equipped with stainless appliances and an entertaining bar.  The bay window is an additional Craftsman feature off of the living room. Additionally, the main floor offers a den/office and full bath.  The back porch has been enclosed to include an entry and laundry room with hookups for washer/dryer. Brand new mini-splits provide year round comfort with air conditioning and heating capabilities. Full below-grade finished bonus space has 6'3" tall ceilings with internal and external entries and has potential for a family room/crafts/wine cellar/other ideas? Home sits on a level 1.1 acre. Outside sits a freshly painted 4-bay garage/shop with RV bay added. Long, wide asphalt driveway with options for boat, RV and overflow parking in the level grassy area just east of the home. South facing backyard gathers much sunlight. Home is very central: 6 minutes to Ferndale with shopping and restaurants, 11 minutes to US/CAN Border.

2011 Grandview Road, Ferndale

Listing courtesy of eXp Realty.

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