Happy Valley Homes with FHA Terms

Happy Valley Homes with FHA Terms

Welcome to Happy Valley, a charming neighborhood located in Washington state, USA. Known for its tranquil ambiance and family-friendly atmosphere, Happy Valley offers a wonderful place to call home.

Situated in the heart of Washington, Happy Valley is surrounded by natural beauty, with lush green landscapes and breathtaking mountain views. The neighborhood is renowned for its tight-knit community and welcoming residents, making it an ideal place for families, professionals, and retirees alike.

Happy Valley offers a range of housing options, including homes with FHA terms. FHA, or Federal Housing Administration, loans are designed to make homeownership more accessible by providing flexible financing options. Whether you're a first-time homebuyer or looking to refinance, FHA loans can offer low down payments, competitive interest rates, and easier qualification requirements.

With FHA terms available, you can explore a variety of homes in Happy Valley that meet your needs and budget. From cozy bungalows to spacious family homes, there's something for everyone. The neighborhood boasts well-maintained properties and a range of amenities, including parks, schools, and convenient access to shopping and dining options.

If you're looking for a community that combines the beauty of nature with the convenience of modern living, Happy Valley is the perfect choice. Experience the warmth and charm of this neighborhood and find your dream home with FHA terms in Happy Valley, Washington.

Newest Happy Valley Homes with FHA Terms

$538,000
4 Beds ⋅ 2 Baths ⋅ 2570062 MLS ⋅ ACTIVE Status
Southside living in Happy Valley, with Fairhaven Park and the Interurban Trail System nearly at your doorstep. This location is all about practicality and connection, situated moments from the WWU campus and the local shops at Fairhaven Plaza. Commuting is just as simple with quick access to I-5, the Ferry and Amtrak terminals, and the scenic waterfront at Boulevard Park. Inside, the home feels bright and modern, featuring a functional 4-bedroom, 2-bathroom layout designed for easy daily living. The updated kitchen serves as the heart of the home, flowing naturally toward a private deck that’s perfect for fresh air and quiet mornings. The main floor is particularly well-planned, offering a bedroom and a convenient 3/4 bath. Upstairs, you’ll find three additional bedrooms centered around a smart Jack-and-Jill bathroom. The dedicated laundry area on this level adds a layer of organization. Outside, the property is built for low-maintenance living with a lot that requires very little upkeep and driveway parking for four cars. It’s an honest, refreshed, and move-in-ready space that serves as a solid home base in a truly unbeatable location.

2221 Wilson Avenue, Bellingham

Listing courtesy of COMPASS.

$1,075,000
3 Beds ⋅ 3 Baths ⋅ 2556368 MLS ⋅ ACTIVE Status
Some homes ask you to compromise. This one asks you to exhale. Set on 2.3 private acres, this 2,686 square foot retreat was designed for the life most people are still trying to find. The location is a rare find, with a quiet setting & exceptional privacy - this is what intentional living looks like. Step inside to an expansive hardwood entry & the tone is set immediately: warm and inviting. The living room is anchored by a gas stone fireplace, from the dining room, access the wine cellar & the great room has a window seat that frames views of the beautiful grounds. A dedicated office means your workday has a proper home & a proper end. Upstairs, 3 bedrooms, plus a family room give everyone space to settle. Through the living room's glass French doors, there's a tiered deck that opens to 2.3 acres of beautifully landscaped privacy & expansive lawn where you'll enjoy the natural beauty of the seasons and the sights and sounds of wildlife. Sit by the firepit, plant in the covered garden, relax on the covered porch. There's room for pets, horses & your RV. Known as the Seven Lakes area, outdoor adventures beacon. An unhurried lifestyle that lets you relax in nature that surrounds you. Far enough away from the confines of the city, but with I-5 just 5 minutes away, there's shopping, dining & entertainment with a 10-15 minute drive. There’s a reason they call this Happy Valley. With a move to 32nd NW, this is not a house you settle for. This is a home where you settle in.

19011 32nd Avenue NW, Stanwood

Listing courtesy of eXp Realty.

$530,000
2 Beds ⋅ 1 Baths ⋅ 2565120 MLS ⋅ ACTIVE Status
Living in Happy Valley is the Bellingham dream. Weekend walks to Fairhaven. Miles of nearby trails. Easy access to the waterfront. WWU just minutes away. It's the kind of neighborhood where you spend less time in your car and more time enjoying everything that makes Bellingham such a special place to call home. Now it's your turn.Thoughtfully updated with new flooring, fresh interior paint, updated lighting, and a handicap-accessible bathroom, this charming home is move-in ready while still leaving room to make it your own. Upstairs, the finished attic (not included in sq footage) provides a flexible bonus space-perfect for a hobby/playroom, creative studio, home office, or simply the extra storage every homeowner appreciates. Picture yourself spending evenings in the backyard with friends, growing a garden you've always wanted, or hopping on your bike to explore the trails just min. from your front door. The long driveway provides plenty of off-street parking, while the carport offers exciting potential to become an enclosed garage or create the perfect place to store bikes, paddleboards, kayaks, skis, and all the gear that comes with living the PNW lifestyle. Homes that make Happy Valley homeownership attainable don't come along often. And if your story eventually leads you somewhere new, this is the kind of home you may find yourself wanting to keep—a place that can continue serving you as a long-term investment in one of Bellingham's most enduring neighborhoods.

1704 22nd Street, Bellingham

Listing courtesy of Windermere RE North, Inc..

$330,000
2 Beds ⋅ 2 Baths ⋅ 2568115 MLS ⋅ ACTIVE Status
Welcome to Cypress Condominiums, a gated, secure-entry community in Bellingham's desirable Happy Valley neighborhood (between Downtown & Fairhaven). This beautifully cared-for ground-floor 2-bedroom, 2-bathroom condo provides effortless single-level living with no stairs or elevator. Bright, open floor plan features a spacious living area with a corner fireplace and a private patio—perfect for morning coffee, outdoor dining, or BBQ. The kitchen features natural wood cabinetry, granite countertops, tile backsplash, stainless steel appliances, and tile flooring that continues into the entryway. The thoughtful split-bedroom layout places the primary suite on one side with a full ensuite bath, while the second bedroom and full guest bath are positioned on the opposite side for privacy and flexibility. The guest bath also houses a full-size newer washer and dryer (2023). Recent improvements: newer manufactured bamboo hardwood flooring (2024), new 40-gallon water heater (2023), and upgraded ceiling fans with remote controls. Enjoy secure gated entry, two dedicated parking spaces (one covered), a fitness center, & two secure bike storage rooms. Ideally located just steps from Connelly Creek Trail, minutes to downtown Bellingham, Western Washington University, restaurants, cafes, transit, and Sehome amenities, this move-in-ready condo offers the perfect blend of security, convenience, and an exceptional location. HOA dues include water, sewer, and garbage.

690 32nd Street Unit #B107, Bellingham

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

$845,000
2 Beds ⋅ 3 Baths ⋅ 2561073 MLS ⋅ ACTIVE Status
This exceptional property features a beautiful Craftsman home surrounded by multiple cottages, and versatile bonus spaces, adding an additional 460 sf. It's set on 2.5 city lots offering development potential. Rich in timeless character and thoughtful updates, the main house showcases refinished fir floors, original wood trim and 10' ceilings throughout that enhance the home's spacious feel. Recent improvements include new wiring, remodeled kitchen, new interior & exterior paint. Tucked into it's own wooded sanctuary, the property offers a rare collection of additional detached structures and versatile spaces. One detached two-story mother in law, complete with a kitchenette, full bathroom, a loft, vaulted ceilings, and a deck, with elevated views - offering flexibility for guests, extended living, or creative pursuits. It's lower level includes a separate finished space with a full bathroom, ideal for a for a writing studio, art space, home office or private guest retreat. Another detached cottage with a loft and high ceilings provides even more possibilities. Ideally located in the Happy Valley neighborhood within walking distance of the university, and just minutes from the scenic trails of Sehome Hill Arboretum. Close to downtown Bellingham's restaurants, shops and amenities. This property blends historic character, flexible living spaces, investment potential & great location. The true character and charm are best appreciated first hand.

1016 21st Street, Bellingham

Listing courtesy of eXp Realty.

$1,375,000
4 Beds ⋅ 4 Baths ⋅ 2546677 MLS ⋅ ACTIVE Status
Are you looking for a secluded home on your own 19.98 acres. Well, you found it; with quick access to town when you need it. This 4-bedroom house is highly upgraded with partial views of the Straits of Juan De Fuca and the Olympic Mountains. You can trim trees for an even stronger view! The natural topography is beautiful, no need for much landscaping! You have great southern exposure if you do decide to plant a vegetable garden. This custom home has cement planked Hardy Board siding and a metal roof. The daylight basement is partially finished and has a cold storage room that could be used as a wine cellar if you desire. Also, upstairs has an office room that could be used as another bedroom.

573 Antler Ridge Road, Sequim

Listing courtesy of RE/MAX Prime.

$525,000
3 Beds ⋅ 2 Baths ⋅ 2555442 MLS ⋅ ACTIVE Status
Spacious 3 bedroom manufactured home on 2.42 acres just minutes to Sequim. Buyer bonus rate buy-down available. Open floor plan, kitchen with island. Living room and large family room or game room with fireplace and French doors leading to large deck. Enjoy sitting on the deck and watching the critters in your private woods. Views of lush landscaping, flowering plants and shrubs. Owner has forty plus Chickens and two Peacock's that are in two separate large coups. Other features include a 2-car garage, fenced dog run, garden and three outbuildings. Nice and quiet & relaxing.

11 Landgrove Lane, Sequim

Listing courtesy of CENTURY 21 North Homes Realty.

$237,000
1 Baths ⋅ 2552791 MLS ⋅ ACTIVE Status
Welcome to Cypress Place Condominiums! This top floor corner studio offers the perfect blend of comfort, convenience, and low-maintenance living. The bright, open layout is filled with natural light and opens to a covered private balcony to enjoy year round. The kitchen features stainless steel appliances and a breakfast bar, and the home includes an in-unit washer and dryer. Community amenities include secure lobby entry, an elevator, a fitness center, bike storage, and a designated parking space. Ideally located near Western Washington University, Fairhaven, shopping, dining, and public transit, with many everyday conveniences within walking distance. HOA dues cover water, sewer, and garbage, making everyday living even easier. A great opportunity for first-time buyers, students, or anyone looking for easy, low-maintenance living.

680 32nd Street Unit ##C402, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

$777,500
3 Beds ⋅ 1 Baths ⋅ 2546703 MLS ⋅ ACTIVE Status
This adorable craftsman style home in Happy Valley has timeless charm, modern updating and incredible potential. Featuring 3 bedrooms, 1 bathroom, hardwood floors, and a welcoming main level layout, the home sits in one of Bellingham’s most desirable neighborhoods. The partially finished and usable basement—supported by a newer foundation and lower level completed roughly 20 years ago—opens the door to future bedrooms, a preplanned second bath and expanded living areas. A one car garage provides great storage for your car, bikes, kayaks, and more. With parks, trails, and Fairhaven just minutes away, this location offers unmatched convenience and quality of life. A rare opportunity to personalize and expand in a truly exceptional setting.

1912 Mill Avenue, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

$599,900
2 Beds ⋅ 2 Baths ⋅ 2525085 MLS ⋅ ACTIVE Status
Nature meets convenience in this hidden Happy Valley gem. Tucked away on 2.4 pristine acres, this home delivers privacy and captivating wildlife and mountain views from almost every room. The light-filled interior includes a spacious den, offering flexible space for a home office or an additional bedroom. Outside, a park-like landscape awaits, complete with garden beds and a shed—ideal for a green thumb or creating a custom homestead. Live your mini-farm dream in a tranquil outdoor atmosphere without sacrificing accessibility, located just minutes from nearby shops and amenities.

3582 Happy Valley Road, Sequim

Listing courtesy of Windermere RE Sequim East.

$1,049,950
4 Beds ⋅ 4 Baths ⋅ 2526929 MLS ⋅ ACTIVE Status
Welcome to Cascade Peaks, one of the area's premier gated communities. This exceptional 4,597 SF custom Craftsman is perfectly situated on over an acre of beautifully landscaped grounds, offering luxury, privacy, and a peaceful setting. The grand great room features soaring cathedral ceilings, a dramatic floor-to-ceiling stone fireplace, and an elegant catwalk overlooking the main living spaces. The gourmet kitchen showcases slab stone countertops, custom maple cabinetry, rich hardwood flooring, wood-wrapped windows and doors, and abundant storage. Entertain with ease in the formal dining room, spacious family room, and large bonus/recreation room. The main-level primary suite is a private retreat with vaulted ceilings, corner gas fireplace, oversized walk-in closets, soaking tub, and double rain shower. A junior suite on the main level is ideal for guests or multigenerational living, while upstairs offers spacious bedrooms and bonus space. Recent updates include new carpet, fresh interior paint, new high-efficiency furnace and heat pump with central A/C, new well pressure tank, and a septic system pumped and certified in 2026. Complete with an oversized garage, RV parking, expansive patio, and HOA dues of just $100/month, this remarkable estate offers exceptional Northwest living.

18421 25th Drive NW, Stanwood

Listing courtesy of John L. Scott Snohomish.

$289,000
2 Beds ⋅ 2 Baths ⋅ 2534182 MLS ⋅ CONTINGENT Status
Easy living in Sequim's most inclusive community. Enjoy the views and amenities of Dominion Terrace from this highly upgraded 2 bed 1.5 bath condo. No popcorn ceilings here! Hardwood floors, solid surface Corian counters, S/S appliances, ceiling fans, stacked washer/dryer, large bathroom with step in shower, bidet/toilet and wood vanity. Living area boasts a wood wrapped brick fireplace with custom mantle and large view windows to soak up the sunsets and watch the ships go by. Patio features a full surround wind block allowing more opportunity to comfortably enjoy gardening or relaxing outside. Unit overlooks the small pond area & green space. Dominion Terrace residents enjoy an enormous clubhouse with full kitchen and dance floor as well as an indoor, 9' deep swimming pool, hot tub, locker rooms with showers and dry saunas, exercise equipment, pool table, table tennis and a fully stocked library housing not only books but shelves of puzzles, movies and more. Private gardening is available in your own yard or you can expand your talents to the community garden or finish your dream project in the well appointed woodworking and hobby shop. You and your four legged friend will enjoy the comfortable walking paths, large pond with resident geese and fenced dog run conveniently located near the gardens.Sit back and enjoy your golden years by letting someone else handle all the exterior maintenance and upkeep of your home. Use your time to pursue living life to the fullest

1301 S 3rd Avenue Unit #2B, Sequim

Listing courtesy of BrokersGroup R.E.Professionals.

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