Ferndale Homes with VA Loan Terms

Ferndale Homes with VA Loan Terms

Located in Whatcom County, Washington, Ferndale is a charming neighborhood that offers a perfect blend of small-town charm and modern amenities. Situated in the United States, this neighborhood is known for its friendly community, beautiful landscapes, and convenient access to various amenities.

Ferndale is an ideal place for those looking to settle down and enjoy a peaceful lifestyle. The neighborhood boasts a range of housing options, including single-family homes, townhouses, and apartments. Whether you are a first-time buyer or looking to upgrade, Ferndale has something to offer for everyone.

One notable feature of Ferndale is the availability of homes with VA loan terms. If you are a veteran or an active-duty military personnel, you can take advantage of the VA loan program to finance your dream home. VA loans offer several benefits, including no down payment requirements and competitive interest rates. This makes it easier for veterans to become homeowners and enjoy the stability and security of owning a property.

In addition to the housing options, Ferndale also offers a range of amenities and attractions. Residents can enjoy shopping at the local boutiques, dining at the various restaurants, and exploring the nearby parks and trails. The neighborhood is also known for its excellent schools, making it an ideal place for families with children.

Overall, Ferndale is a vibrant and welcoming neighborhood that offers a high quality of life. With its beautiful surroundings, convenient amenities, and homes with VA loan terms, it is a great place to call home for veterans and anyone looking for a peaceful and friendly community.

Newest Ferndale Homes with VA Loan Terms

$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.

$799,000
3 Beds ⋅ 3 Baths ⋅ 2569946 MLS ⋅ ACTIVE Status
Experience the perfect blend of luxury and low-maintenance living in the gated 55+ community of Woods Point. This stunning two-level residence features a seamless open-concept layout highlighted by the natural light and stylish interior. At the heart of the home, the gourmet kitchen shines with white cabinetry, premium quartz countertops, a generous island, and pantry. Designed for convenience, the home offers a main-level primary suite, while the upper level provides two additional bedrooms plus a versatile study and hobby area. Step through large sliding doors to your private outdoor sanctuary. Upgraded with a heat pump for cooling and electronic shades. Situated on a premium lot with no neighbors to your south and west sides, the west-facing fenced backyard offers peaceful greenspace views and lush landscaping. The expansive covered patio is the ideal spot for year-round relaxation and sunset views. Life at Woods Point is about more than just a beautiful home; it’s a lifestyle. Residents enjoy access to a stylish clubhouse, scenic trails, and pickleball courts, all while professional landscape maintenance is handled for you. With 3 bedrooms, 2.5 baths, and high-end finishes throughout, this home offers an unparalleled balance of serenity and modern convenience.

5451 Shields Road, Ferndale

Listing courtesy of COMPASS.

$395,000
2 Beds ⋅ 1 Baths ⋅ 2573323 MLS ⋅ ACTIVE Status
Fantastic multifamily development opportunity in the heart of downtown Ferndale. The value is in the land, with architectural and civil design complete for a 9-unit apartment building with an optional retail component along the 3rd Avenue frontage. The completed design work is included in the sale, offering significant time and cost savings for a future developer. City of Ferndale Urban Residential (UR) zoning provides flexibility for mixed commercial and/or high-density residential development. Conveniently located within walking distance of shopping, restaurants, and grocery stores, with quick access to I-5, this property is well positioned for strong long-term rental demand. The existing 2-bedroom home, 2-car garage, and two outbuildings are in need of updating and would require rehabilitation if a buyer intends to preserve and utilize the existing improvements.

5709 3rd Avenue, Ferndale

Listing courtesy of Windermere RE Whatcom, Inc..

$395,000
2572744 MLS ⋅ ACTIVE Status
Fantastic multifamily development opportunity in the heart of downtown Ferndale. The value is in the land, with architectural and civil design complete for a 9-unit apartment building with an optional retail component along the 3rd Avenue frontage. The completed design work is included in the sale, offering significant time and cost savings for a future developer. City of Ferndale Urban Residential (UR) zoning provides flexibility for mixed commercial and/or high-density residential development. Conveniently located within walking distance of shopping, restaurants, and grocery stores, with quick access to I-5, this property is well positioned for strong long-term rental demand. The existing 2-bedroom home, 2-car garage, and two outbuildings are in need of updating and would require rehabilitation if a buyer intends to preserve and utilize the existing improvements.

5709 3rd Avenue, Ferndale

Listing courtesy of Windermere RE Whatcom, Inc..

$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..

$1,082,999
3 Beds ⋅ 3 Baths ⋅ 2570316 MLS ⋅ ACTIVE Status
Rare opportunity to own a private equestrian retreat on nearly 5 fully fenced acres with stunning Mount Baker views! Tucked behind a gated entrance at the end of a quiet private road, this exceptional property offers the perfect blend of peaceful country living and functional horse amenities. Featuring a 7,500 sq ft outdoor riding arena, multiple stalls with runs, tack room, inside stalls, and a large two-car shop, this property is ready for horses, hobbies, and more. The spacious main home includes 3 bedrooms + office and 3 bathrooms, while the attached 1 bed, 1 bath ADU suite with separate entrance and garage offers excellent flexibility for guests, multigenerational living, or rental income. A truly one-of-a-kind property with space, privacy, and endless possibilities.

7037 Yukon Way, Ferndale

Listing courtesy of Keller Williams Western Realty.

$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.

$754,900
4 Beds ⋅ 3 Baths ⋅ 2569437 MLS ⋅ ACTIVE Status
Welcome home to this stunning brand-new residence, move-in ready and waiting to impress. Offering just under 2,400 square feet of thoughtfully designed living space, this exceptional 4-bedroom, 2.5-bathroom home blends comfort, style, and everyday functionality. At the heart of the home is a bright, open-concept kitchen featuring a second built-in oven and microwave, an expansive island, and abundant cabinet and countertop space — ideal for both daily living and entertaining. The adjoining dining area offers custom built-in cabinetry with space for a wine cooler or mini fridge, adding a refined touch to every gathering. A striking fireplace anchors the living room, its warm ambiance flowing effortlessly into the kitchen and dining areas to create a seamless, inviting atmosphere throughout the main living space. The spacious primary suite offers a peaceful retreat, complete with a generous walk-in closet and an abundance of natural light. Step outside to a beautifully landscaped backyard and private deck, perfect for relaxing or entertaining. Situated as the last home on the street with just one neighboring property, this residence offers a rare sense of privacy and tranquility. Don't miss the opportunity to make this exceptional home yours.

5513 Presley Lane, Ferndale

Listing courtesy of eXp Realty.

$1,050,000
4 Beds ⋅ 2 Baths ⋅ 2569607 MLS ⋅ ACTIVE Status
Development opportunity in Ferndale-comes with TWO additional approved lots... Remodeled 4-bedroom, 1.75-bath home on over an acre within Ferndale city limits, offering exceptional space, views, and development potential. The 2,688 SF home features two gas fireplaces, a spacious layout, and a large deck overlooking beautiful Mt. Baker views and stunning sunrises. A massive 864 SF 3-car garage provides abundant room for vehicles, hobbies, storage, or workshop space. Included with the sale is an approved additional 2-lot subdivision, creating exciting potential for future development, with additional possibilities for higher density infill, buyer to verify. Enjoy the rare combination of a remodeled home, expansive property, city utilities, remarkable views, and development opportunity—all within the Ferndale city limits.

6116 Vista 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.

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