About Us

Washington and Idaho's Independent
Mortgage Team

Beeline Mortgage is a licensed independent mortgage broker serving Washington and Idaho. We shop many lenders so our clients get the right rate for their situation, not just what one bank happens to offer.

Beeline Mortgage LLC  |  NMLS #1713379  |  Licensed in WA · ID

Built to give every borrower a fair shot

Beeline Mortgage LLC was founded and operates as an independent mortgage brokerage headquartered in Liberty Lake, WA. Unlike a bank that can only offer its own products, an independent broker shops across many lenders to find the loan that actually fits the client, not the one that's easiest to push.

That philosophy is the whole point. Wholesale rate access, no bank overhead, no committees. When a borrower works with Beeline, they're working with a team that can move fast, get creative on qualifying scenarios, and genuinely compete on price because we're not tied to any single lender's pricing.

We serve borrowers across Washington and Idaho, including Spokane, Liberty Lake, Coeur d'Alene, Post Falls, Spokane Valley, and the surrounding communities. From first-time buyers to real estate investors, self-employed professionals to veterans, we have loan options for every situation.

Our team includes experienced loan officers and Carin Kjoss, our dedicated loan processor with over 35 years of mortgage experience. That depth of knowledge means fewer surprises and smoother closings for our clients.

WA · ID
States licensed to lend
Many
Lenders shopped per client
5.0
Google rating

What makes an independent broker different

Four things set Beeline apart from every bank branch and retail lender in the territory.

🏦

Wholesale Rate Access

Banks lend at retail rates. Independent brokers access wholesale pricing from many lenders simultaneously. That gap often means a meaningfully lower rate, lower monthly payment, and real money saved over the life of the loan.

Speed Without Red Tape

No loan committees. No bank policy layers. When you're ready to move on a property, we move with you. Our team has the experience and lender relationships to keep transactions on track and closings on time.

📍

Local Market Knowledge

We know Spokane, Liberty Lake, Coeur d'Alene, and the surrounding communities firsthand. That local context matters when it comes to pricing, appraisals, and knowing which loan programs actually fit the market you're buying in.

🗂️

Full-Service Loan Options

Conventional, FHA, VA, USDA, self-employed, bank statement, DSCR, down payment assistance. Whether you're a first-time buyer, a veteran, or an investor, we have a loan program built for your situation.

Real loan officers. Real local knowledge.

Every Beeline loan officer is an independent broker with access to many lenders. No quotas, no bank policy. Just the right loan for your situation.

Chris Hendrickson
Chris Hendrickson
Owner & Principal LO
NMLS #145552

25+ years of mortgage experience in Washington and Idaho. Chris specializes in helping buyers navigate complex scenarios and investors access DSCR financing.

Common questions about Beeline Mortgage

Beeline Mortgage LLC is currently licensed to lend in Washington State and Idaho. Our company NMLS number is #1713379. Chris Hendrickson, our principal loan officer, holds individual NMLS license #145552. You can verify our current licenses at nmlsconsumeraccess.org.
We serve borrowers throughout Washington State and Idaho. Our primary markets include Spokane, Liberty Lake, Spokane Valley, Coeur d'Alene, Post Falls, Sandpoint, Tri-Cities, and surrounding communities. If you're in Washington or Idaho, we can help.
A bank can only offer its own loan products at its own rates. An independent mortgage broker like Beeline has relationships with many lenders and can shop your loan across all of them simultaneously. That means you get the loan that fits your situation, priced competitively, rather than whatever one bank can put together that day.
Beeline works with many lenders across conventional, government, and specialty loan programs. The number that matters more than the count is whether we can find the right lender for your specific loan scenario. Our team matches your situation to the lender most likely to approve it at the most competitive terms available.
Our office is located at 1421 N Meadowwood Ln, Suite 71, Liberty Lake, WA 99019. We work with borrowers in person and remotely throughout Washington and Idaho.
Ready to Get Started?

See what we can find for you

Takes about 3 minutes. No credit pull. No commitment. Just a clear picture of what your rate looks like.