Bellingham, Whatcom County
Second homes and investment properties priced alongside primary.
We serve Bellingham by phone, text and video from our office in Edmonds, in English or Spanish.
Local numbers
A $640,000 home with 10% down is a $576,000 loan. At today's lowest-cost 30-year fixed, 6.875%, that's about $3,784 a month in principal and interest, before roughly $491 in Whatcom County property tax and your insurance.
Common questions
On a $640,000 home with 10% down and today's lowest-cost 30-year fixed at 6.875%, principal and interest is about $3,784 a month. Whatcom County property tax adds roughly $491 a month, plus insurance and, under 20% down, mortgage insurance. The card on this page prices your own numbers.
Only partly. The Whatcom County FHA limit is $580,750, and a typical Bellingham home with 3.5% down is above it, so most buyers here use conventional (up to $1,209,750) or VA, which has no limit with full entitlement. FHA still fits condos and homes below the limit.
Usually not. The 2026 conforming limit is $1,209,750, and a typical Bellingham purchase lands well under it, so you get agency pricing from every lender we work with.
Yes. For eligible first-time buyers we can arrange assistance covering the 3.5% down payment plus up to 1.5% toward closing costs, up to 5% of the price. Tell the pre-approval you have under 5% saved and it prices the help on your Bellingham purchase before anything is promised.
About ten minutes if you have your income and account balances handy. The pre-approval reissues itself at any amount up to your maximum, so you can tailor it to each offer. If a listing agent wants to speak with the lender, that's a licensed originator, by phone, the same day.
