Loan Programs

Find the Right Loan Program for Your Situation

Beeline shops multiple lenders across every loan type, FHA, VA, conventional, USDA, jumbo, DSCR, and more. One application, many options compared.

Start Your Application → Ask a Question

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. Best 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. Best rates for buyers with strong 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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Broker Advantage

Why a Broker vs. Your Bank?

A mortgage broker shops your loan across many wholesale lenders. A bank can only offer their own products.

Beeline Mortgage (Broker)

✅Shops 15+ wholesale lenders for your rate

✅Access to lenders you can't apply to directly

✅Specialized programs: bank statement, DSCR, jumbo

✅Works in your interest, not the bank's

✅One application, multiple lender options compared

Your Local Bank

❌One rate from one lender, take it or leave it

❌Limited to their own product menu

❌Retail pricing, no wholesale access

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

❌Shopping multiple banks means multiple hard inquiries

Get Started

Not Sure Which Loan Fits?

Start your application and Chris will match you to the right program, or just send a question and get a straight answer.

Start Your Application → Ask a Question

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