Independent Mortgage Broker · WA & ID Licensed

Many lenders shopped,
start to finish.

We shop many lenders to find your fit and guide your loan from application to closing. UWM is one of the many wholesale lenders we work with. No bank overhead, no runaround. Just a team you actually talk to, from application to closing.

Talk to a Loan Officer Now → Start an Application
Many Lenders Shopped to find your fit
★★★★★
100+ five-star Google reviews
25+ Years of combined experience
WA · ID Licensed & serving
Why Beeline

The advantage of working with an independent broker.

Beeline shops many lenders to find your fit, including wholesale lenders like UWM. You deal with the people handling your file from first call to closing.

Wholesale Access, Many Lenders

Beeline shops many lenders, including wholesale lenders like UWM, to find pricing that fits your situation. We guide your loan from application to closing with the people you actually talk to.

One Application. One Team.

You fill out one form. Our team structures your loan around your situation and guides it through, start to finish, with the terms our partner relationships support.

Direct Communication

As an independent broker, our team works directly with lenders and keeps you updated from application to closing.

25 +
Years Chris has closed loans in WA & ID

Local Market Expert

Chris knows Washington and Idaho. The neighborhoods, the loan limits, the market conditions. That local knowledge is built into every loan our team closes.

What Are You Looking For?

Loan options for many situations.

Whether you're buying your first home, refinancing, or investing, our team shops many lenders to find options that fit your situation.

Conventional Loans

A common loan type. Strong credit and flexible down payment options through our wholesale lender network, including UWM.

Learn more → FHA Loans

Low down payment options with credit scores as low as 580 for eligible buyers. A great path to homeownership for first-time buyers and those rebuilding credit.

Learn more → VA Loans

No down payment required for eligible borrowers and no PMI. For eligible veterans, service members, and surviving spouses. VA Funding Fee applies unless exempt. You earned this benefit.

Learn more → Self-Employed

Don't fit the traditional income box? Bank statement loans can qualify with as little as 12 months of bank statements instead of W-2s.

Learn more → USDA Loans

No down payment required for eligible rural and suburban buyers. Eligibility depends on the property address and household income limits. Ask us to check a specific address.

Learn more → DSCR / Investors

Qualify based on your rental property's income, not your personal tax returns. Built for real estate investors in Washington and Idaho.

Learn more → First-Time Buyers

Not sure where to start? We'll walk you through every option, including FHA down payment assistance in WA and ID, with repayable and forgivable options, through our wholesale lender partners.

Learn more → Refinance

Rate dropping? Need cash out? We'll run the numbers and tell you if refinancing actually makes sense, and structure the right option for you if it does.

Learn more →
View all loan options →
Client Reviews

Real results from real clients.

Google Reviews
★★★★★
5.0 100+ five-star Google reviews

Google reviews from Beeline clients.

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Common Questions

Answers from Chris Hendrickson, NMLS #145552

Quick answers to what most borrowers ask first. More in-depth answers and dozens more questions on the full FAQ page.

View all FAQs →
A bank generally offers its own products. As an independent mortgage broker, Beeline shops many lenders, including wholesale lenders like UWM, and brings back options that fit your situation. Wholesale pricing is often more competitive than what banks offer retail. One team guides your file from application to closing, so you get straight answers and people you actually talk to.
It depends on the loan type. Conventional loans typically require a 620+ credit score. FHA loans allow credit scores as low as 580 for eligible buyers, with a low down payment. Terms depend on program, credit, and lender approval. VA loans have no official minimum, though guidelines typically prefer 580 to 620. If your score is lower, our team can often still find a path, or help you understand what steps could improve your options. Learn more about FHA loans →
Yes, and this is one of our specialties. Self-employed borrowers often get turned away by banks because their tax returns don't reflect their actual income. We offer bank statement loans that use your bank deposits to qualify, instead of W-2s or tax returns. Bank statement loans can qualify with as little as 12 months of bank statements. Under 2 years self-employed can work with connecting experience in the same line of work. See self-employed loan options →
The industry average is 30 to 45 days. Timelines depend on the loan type, the lender, and how quickly documents are provided. Complex situations like self-employed income or investor loans can take a few days longer. We tell you what we need upfront and give you a realistic timeline from day one.
Get Started Today

Ready to see what your rate looks like?

Talk to a loan officer now. We answer calls and texts, and we shop many lenders so you deal with the team handling your loan. Or start your application online in about 3 minutes.

Talk to Us Now → Start an Application

No credit pull to start No commitment ~3 minutes