Loan Programs

Find the Right Loan Program for Your Situation

Beeline is a mortgage broker across every loan type, FHA, VA, conventional, USDA, jumbo, DSCR, and more. One application, structured around your situation by the team that shops many lenders for your loan.

Talk to a Loan Officer Now → Start an Application

Chris Hendrickson NMLS #145552 | Beeline Mortgage LLC NMLS #1713379 | Licensed in WA & ID

All Loan Programs

Which Loan Is Right for You?

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FIRST-TIME BUYERS

FHA Loans

Government-backed with low down payments. Built for buyers with less-than-perfect credit or limited savings.

3.5% Down580+ CreditPrimary Homes

0% down, no PMI for eligible veterans and active-duty service members. One of the strongest loan programs available.

0% DownNo PMIVA Eligible Only

The standard purchase loan. Available in 15 and 30-year terms. A strong fit for buyers with solid credit and stable income.

3% Down Min620+ CreditUp to $806,500

0% down for eligible rural and suburban properties. Often overlooked, many areas in ID and WA qualify.

0% DownIncome LimitsAddress-Specific

For purchases above $806,500. Common in Sandpoint, Coeur d'Alene, and higher-end Spokane properties.

Above $806,50010-20% Down700+ Credit

Lower your rate, shorten your term, or pull cash out. Rate-and-term, cash-out, and streamline options available.

Rate-and-TermCash-OutStreamline

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FIRST-TIME BUYERS

First-Time Buyer Programs

Idaho Housing, Washington state programs, and federal options combine for significant down payment help.

DPA GrantsIHFA & WSHFCIncome Limits

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SELF-EMPLOYED

Self-Employed Mortgages

Bank statement programs and P&L loans for borrowers whose tax returns don't reflect true income.

Bank StatementsNo W-212-24 Mo Deposits

Qualify on property rental income, not personal income. Ideal for long-term rentals, Airbnb, and portfolio investors.

No Income DocsRental Cash FlowLLC Eligible

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ASSISTANCE

Down Payment Assistance

Grants, forgivable loans, and second mortgages to cover your down payment and closing costs.

Grants AvailableID & WA ProgramsIncome-Based

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The Broker Advantage

Why a Mortgage Broker vs. Your Big Bank?

Beeline shops many lenders to find your fit, and one team guides your loan from application to closing. A big bank routes you through layers and can hand your file off.

Beeline Mortgage (Broker)

✅Shops many lenders for your rate

✅Wholesale pricing across many lenders, including UWM

✅Specialized programs: bank statement, DSCR, jumbo

✅One team you actually talk to, start to finish

✅One application, structured around your situation

Your Big Bank

❌Your file can be handed to an outside servicer

❌Limited to their own product menu

❌Committee reviews can add steps to the process

❌May not offer DSCR, bank statement, or niche programs

❌You may not speak directly with the people deciding your loan

Get Started

Not Sure Which Loan Fits?

Talk to a loan officer and our team will match you to the right program, or start your application and get a straight answer.

Talk to a Loan Officer Now → Start an Application

Chris Hendrickson NMLS #145552 | Beeline Mortgage LLC NMLS #1713379 | Licensed in WA & ID