Ferndale Homes with USDA Loan Terms

Ferndale Homes with USDA Loan Terms

Located in Whatcom County, Washington, Ferndale is a charming city that offers a delightful blend of small-town charm and modern amenities. Situated in the Pacific Northwest region of the United States, Ferndale is known for its scenic beauty, friendly community, and a strong sense of community spirit.

Ferndale is an ideal place to call home, especially for those looking to purchase a property with USDA loan terms. The USDA loan program provides eligible homebuyers with the opportunity to purchase a home in rural areas with favorable terms and low-interest rates. Ferndale, with its picturesque surroundings and close-knit community, qualifies as an eligible area for USDA loans.

With USDA loan terms, homebuyers in Ferndale can enjoy various benefits, including 100% financing, no down payment requirement, and flexible credit requirements. This makes homeownership more accessible and affordable for individuals and families who may not have the means for a conventional mortgage.

In Ferndale, you can find a range of homes that meet USDA loan requirements. From cozy single-family houses to spacious ranch-style properties, there is something for everyone's taste and budget. Whether you prefer a quiet suburban neighborhood or a more rural setting, Ferndale has a diverse selection of homes that will suit your needs.

Living in Ferndale offers residents a high quality of life, with excellent schools, parks, and recreational facilities. The city also boasts a vibrant downtown area with local shops, restaurants, and community events throughout the year.

If you're considering purchasing a home in Ferndale, exploring the options available with USDA loan terms can make your dream of homeownership a reality. Contact a local real estate agent to learn more about the properties and opportunities in this charming Washington city.

Newest Ferndale Homes with USDA Loan Terms

$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.

$560,000
3 Beds ⋅ 3 Baths ⋅ 2569459 MLS ⋅ ACTIVE Status
Privacy, style, and functionality come together in this beautifully maintained Malloy Village home. Located on a quiet street and backing to a peaceful greenbelt, this home offers a private and serene setting. The main-floor primary suite features a spacious walk-in closet and large en-suite bath, while two additional upstairs bedrooms provide flexibility. The kitchen features maple cabinetry, granite countertops, and stainless-steel appliances and opens to the living room with a cozy gas fireplace. The back deck overlooks the lush greenbelt. Upstairs, the loft landing connects two bedrooms, a full bath, laundry room, and a large bonus room above the garage—ideal for a media room, office, gym, or additional living space. The finished garage offers ample parking and storage. Malloy Village features open green spaces, a community park, and clubhouse. Conveniently located near schools, shopping, dining, and other Ferndale amenities.

6264 Kona Court, Ferndale

Listing courtesy of Windermere RE Anacortes Prop..

$355,000
2 Beds ⋅ 1 Baths ⋅ 2569383 MLS ⋅ ACTIVE Status
Just remodeled turn key charming ground-level condo within walking distance to downtown Ferndale! This spacious 2-bedroom 1-bath condo, perfectly positioned on the ground floor with no stairs for easy access. All new Soft Close cabinets in the kitchen and Bathroom, Vinyl Plank Flooring throughout, New Quartz Counter Tops, plus new Stove/Oven, Microwave and Dishwasher. Large living room windows and backyard slider flood the home with natural light Private fenced backyard with patio. Enjoy the Convenient covered carport and storage directly in front of the front door. Private front patio deck and back patio space. Excellent location in the active and accessible community of Ferndale!

5807 Hendrickson Avenue Unit #101, Ferndale

Listing courtesy of Windermere RE Whatcom, Inc..

$640,000
3 Beds ⋅ 2 Baths ⋅ 2567462 MLS ⋅ ACTIVE Status
Welcome to this beautiful 3-bedroom, 2-bathroom home on a fully fenced corner lot, featuring stylish finishes, modern updates, and an incredible outdoor space. The gorgeous kitchen features KitchenAid stainless-steel appliances, granite countertops, and beautiful finishes. Both bathrooms are custom designed with elegant finishes, creating a polished, high-end feel throughout the home. Step outside into your own private garden oasis, featuring numerous mature fruit trees, including cherries, prunes, grapes, berries, and more. The large patio is perfect for entertaining, relaxing, or enjoying the beautiful garden. An additional outbuilding with electricity offers endless possibilities and could potentially be converted into a tiny house, second kitchen, guest space, home office, or workshop. Situated on a desirable fully fenced corner lot, this property combines style, privacy, beautiful landscaping, and incredible versatility. A truly special home you won't want to miss!

6098 Pacific Heights Drive, Ferndale

Listing courtesy of Coldwell Banker Bain.

$854,905
4 Beds ⋅ 6 Baths ⋅ 2569617 MLS ⋅ ACTIVE Status
Beautifully restored 1900 Victorian estate lovingly & meticulously renovated over a decade. This one-of-a-kind property is just waiting to be discovered. Major improvements include updated electrical & plumbing, high-efficiency Navien on-demand water heater, two gas furnaces, a jetted spa-like tub, premium Toto toilets, modern foundation, CertainTeed Presidential roof, and newly installed front privacy fence. EACH BEDROOM HAS ITS OWN ENSUITE BATHROOM making the home well suited for multi-generational living, extended guests, hospitality use, or private retreats. The LEVEL ACREAGE has plenty of space to build a barn, shop, or ADU etc. Opportunity to upgrade septic capacity by 50% with county approval, allowing for 2 additional bedrooms giving INSTANT EQUITY and increasing the home to 6 bedrooms total! Zoning allows for a range of conditional uses such as a B&B, Boutique Hospitality Venture, Retreat Center, Educational Facility, Religious Organization, Daycare/care Facility, Nursery or Greenhouse Operation, Hobby Farm, Homestead, Home-based Business; the possibilities are endless. Located less than 20 mins to Bellingham International Airport & downtown, ~1 hour to Vancouver, BC, and ~90 mins to Seattle. OWNER FINANCING AVAILABLE! Inspection report and septic report available upon request. Over $1,000 worth of period-appropriate wallpaper and giant antique armoire upstairs goes with the sale. Buyer to verify all information.

1371 W Axton Road, Ferndale

Listing courtesy of Sterling Real Estate Group.

$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.

$439,900
3 Beds ⋅ 1 Baths ⋅ 2563061 MLS ⋅ ACTIVE Status
Welcome home to this charming, turn-key gem nestled on a quiet, non-thru street in one of Ferndale's most desirable hilltop neighborhoods! Situated on a generous 8,700+ sq. ft. corner cul-de-sac lot, this move-in-ready home offers the perfect blend of comfort, convenience, and outdoor living. Designed for effortless single-level living, the interior features fresh paint, stylish LED lighting, and durable wood laminate flooring throughout, with carpeted bedrooms. The heart of the home is a bright, expansive living room perfect for entertaining, flowing seamlessly into a kitchen updated with newer stainless steel appliances and classic solid wood cabinetry. Three comfortable bedrooms provide peaceful retreats, all serviced by a clean, modern full bath. Step outside to your private backyard oasis-a fully fenced, sunny sanctuary featuring a spacious deck, garden shed, and a relaxing hot tub. The massive level yard offers endless possibilities for gardening, pets, or play. Enjoy your morning coffee or watch the sunset from the welcoming front porch. With an attached one-car garage plus ample driveway and off-street parking, there is plenty of room for guests or a boat. You are just three doors away from a 2.5-acre city park and playground, and within easy walking distance to local schools. Don't miss this opportunity to own a solid, well maintained home in a fantastic, friendly community. Carpet allowance provided!

6194 Apollo Place, Ferndale

Listing courtesy of Coldwell Banker Bain.

$819,900
4 Beds ⋅ 3 Baths ⋅ 2562391 MLS ⋅ ACTIVE Status
Truly one of a kind, this custom home is tucked away at the end of a private driveway, offering exceptional privacy, no road noise, and no neighboring homes in sight. Completely renovated in 2018-2019, the home features a commercial grade newer foundation, windows, highline metal roof, custom blue-stained pine walls, and beautiful live-edge Western maple finishes. Efficient mini-splits provide heating and air conditioning, while the wood-burning fireplace and covered back deck create the feel of a Pacific Northwest lodge retreat in every season. The spacious floor plan includes four bedrooms, a fifth bedroom or office/den, a living room, and a separate family room. The property also features fruit trees, a chicken coop, a detached shop, and a private trail system-an ideal setting for those seeking space, tranquility, and a true connection to nature.

3695 Grandview Road, Ferndale

Listing courtesy of John L. Scott Bellingham.

$989,900
2 Beds ⋅ 2 Baths ⋅ 2554000 MLS ⋅ ACTIVE Status
Stunning custom home on 5 beautifully maintained, park-like acres! Tucked away at the end of a quiet dead-end road, this fully fenced and gated property offers exceptional privacy, peaceful surroundings, and endless possibilities. The spacious great room features soaring ceilings, abundant natural light, a cozy gas fireplace and pellet stove, flowing seamlessly into the large eat-in kitchen—perfect for everyday living and entertaining. Upstairs, the luxurious primary suite offers a gas fireplace, spa-inspired ensuite, and a private retreat. Step outside and experience true indoor/outdoor living with two oversized covered decks, a hot tub, and a spectacular custom timber pavilion featuring a stone fire pit, swing seating, and concrete patio—an unforgettable space for entertaining, relaxing, and making memories year-round. The sunny, level acreage includes fenced pasture, fruit trees, established garden space, animal shelter, and plenty of room to roam. Home is wired for a generator, and two impressive shops provide ample space for hobbies, storage, equipment, RVs, or business use. Enjoy the best of country living just minutes from Bellingham, only 5 minutes to the Sandy Point boat launch, Neptune Beach, and endless opportunities for boating, kayaking, fishing, crabbing, beachcombing, and waterfront recreation.

3548 Walltine Road, Ferndale

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

$446,999
3 Beds ⋅ 1 Baths ⋅ 2550582 MLS ⋅ ACTIVE Status
Packed with potential in the heart of Ferndale! Updated where it counts, this 3-bedroom, 1-bath home features a spacious, updated kitchen with newer appliances and a refreshed bathroom. Exterior highlights include a durable metal roof, storage-converted detached garage, and fully fenced yard with plenty of space for gardening or entertaining.This property is an excellent option for first-time buyers, investors, or anyone looking to build equity in a desirable location with a home that's ready to enjoy today and personalize over time.Conveniently located just minutes from I-5, parks, shopping, and everything the area has to offer.

2267 Hawthorne Street, Ferndale

Listing courtesy of Coldwell Banker Bain.

$1,100,000
4 Beds ⋅ 2 Baths ⋅ 2550505 MLS ⋅ ACTIVE Status
This bucolic equestrian property on a dead end street with open vistas and a great history of maintenance and upgrades is ready for you! The log home is perfectly situated on a dead end street for maximum sun and has a very nice open floorplan centered around the sunken living room for gathering. The upstairs is dedicated to the primary suite with private deck as well as 3 additional bedrooms on the main. The logs on this home have been recently refurbished and has a huge deck on three sides. The home also features a new boiler (radiant heat), 3 year old presidential roof and newer appliances. There is a 20x60 shop as well as the 5 stall 60x60 horse barn with 2 hay bays and a 100x175 fenced arena, and fully fenced pastures for livestock.

3883 Everett Lane, Ferndale

Listing courtesy of Windermere RE Whatcom, Inc..

$945,725
3 Beds ⋅ 3 Baths ⋅ 2548087 MLS ⋅ ACTIVE Status
Seeing is believing--this is a must-see home. The property offers 2374 sq. ft. of thoughtfully designed living space on 4.88 acres, making it eligible for an ADU. Recent upgrades include a new roof and a tankless hot water system that also provides radiant floor heating--perfect for chilly mornings. A new Trex deck spans the entire north side of the home, with direct access from both primary bedrooms. The home is equipped with a four mini-split system for efficient heating and cooling, along with ceiling fans in several rooms for added comfort and airflow. The all-electric kitchen features quartz countertops and hickory cabinets. Additional highlights include a cozy library with built-in bookshelves and an electric fireplace. The sale includes a large safe and a 60 inch zero-turn lawn mower. A spacious 40x60 insulated shop, complete with a restroom, shower, and large sink, offers ample room for projects, storage, or workspace. This home has been pre-inspected. The crawl space beneath is 7 feet tall. It has a new asphalt driveway.

2700 Brown Road, Ferndale

Listing courtesy of Weichert Realtors Vanson Assoc.

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