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

$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.

$1,295,000
5 Beds ⋅ 5 Baths ⋅ 2575414 MLS ⋅ ACTIVE Status
Marketing Remarks Perched atop 5 private acres, this breathtaking estate offers some of the most spectacular Mt. Baker views you'll find anywhere. With 4,224 square feet of thoughtfully designed living space, this exceptional home features 5 bedrooms, a formal dining room, two spacious living areas, and an incredible sunroom where panoramic mountain views steal the show. Mt. Baker can be enjoyed from many rooms throughout the home, creating a stunning backdrop year-round. The expansive primary suite is a true retreat with its own fireplace and beautifully updated bathroom featuring a large walk-in tile shower. Convenience abounds with laundry rooms on both levels, while outside you'll find a huge covered patio overlooking the level backyard, mature fruit trees, and a charming older barn tucked into the corner of the property. The acreage offers plenty of space to add a dream shop if desired, along with a massive 1,280-square-foot garage, abundant parking, and dedicated RV parking. Offering incredible privacy, unforgettable views, and endless possibilities, this is truly a one-of-a-kind property that must be experienced in person.

2752 Douglas Road, Ferndale

Listing courtesy of Bellwether Real Estate.

$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.

$824,990
3 Beds ⋅ 2 Baths ⋅ 2574966 MLS ⋅ ACTIVE Status
Escape to your own private retreat on nearly 4 acres surrounded by nature, where a picturesque cherry tree-lined driveway welcomes you home. This stunning 2,825 sq. ft. log home offers the perfect blend of rustic charm and modern comfort, with Willeys Lake just across the street and distant views of the Canadian Rockies and Mt. Baker. Relax or entertain on the expansive wraparound deck that spans three sides of the home, taking in the peaceful setting. Inside, soaring ceilings and abundant natural light fill the open-concept great room, where the kitchen, dining, and living areas flow together around a spectacular floor-to-ceiling river rock fireplace. The spacious primary suite features an ensuite bath with a classic clawfoot tub, while two additional bedrooms, a den, and a large loft provide flexible space for a home office, hobbies, guests, or recreation. The level property with sandy soil is ideal for gardening, a hobby farm, or simply enjoying the outdoors, complete with Douglas Fir trees, an orchard of mature apple, cherry and pear trees, a picnic and firepit area, shed, two-car garage, and a large covered carport. Experience the tranquility of country living with room to grow, relax, and explore.

1231 Willeys Lake Rd, Ferndale

Listing courtesy of eXp Realty.

$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.

$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.

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