Brett Shoemaker - NMLS 2333791 - Kingdom Mortgage LLC

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Brett Shoemaker - NMLS 2333791 - Kingdom Mortgage LLC I specialize in helping home buyers and investors get the financing they need to buy real estate throughout CA, ID, TX & WA.

Schedule a call: https://calendly.com/brett_shoemaker/15min You've heard the horror stories...how hard it is to qualify, not to mention the fighting, shopping, and haggling to get a good rate. I've got great news...When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle.

09/08/2026

Self-proclaimed...

09/03/2026

Dont lose your job, don't spend the money you set aside for a down payment, pay your bills on time and don't get into more debt. That's pretty much all that matters.

09/02/2026

It's very easy to strategically bump your credit score a couple of points in a short period of time. It's a simple step that most loan folks look over because it's extra work but it could literally save you tens of thousands of dollars.

08/28/2026

Don't buy the new car until AFTER you close on the new house...

08/27/2026

Unless you're buying the house in cash, it almost always makes sense to negotiate seller concessions to pay for the closing costs BEFORE you start negotiating on price. It's the same net to the seller but it's much better for the average buyer.

08/25/2026

Mortgage rates go up and mortgage rates go down. Most lenders price in "discount points" into their rate quotes to make the interest rate look more competitive knowing that most people focus on the interest rate. However, you should always do the breakeven math of how long it will take you to break even buying down the interest rate versus the monthly savings. We like to compare the cost savings of loan products over the entire life of the loan but in reality, what is the likelihood that 1) you aren't going to refinance & 2) you aren't going to move again in the next 30 years. If it takes you 52 months before buying down the interest rate starts to pay off, it's probably not a good investment despite what the math says 30 years from now.

Sometimes temporary rate buydowns can be gimicky but I would definitely consider that over a permanent buy down that pays off in 5 years.

08/24/2026

My goal is always to pay the least amount possible in taxes (legally of course) but oftentimes I hear people talking about structuring their tax returns in a specific way to "claim more income" and therefore be able to buy a house. There are loan programs out there that solve this problem and often times when you do the math of tax savings vs higher interest payment, opting for a higher rate/mortgage payment makes a lot of sense.

08/10/2026

Does the property cash flow with 20% down? That's essentially the basics of underwriting a DSCR loan. As with every scenario, there is nuance such as credit score or whether the property is currently leased or does it operate as a long term or short term rental. All of those caveats typically effect the terms.

Also, DSCR loans typically come loaded with a pre-payment penalty so make sure to take that into account when considering medium to long term strategy.

08/05/2026

There's a lot of misinformation out there when it comes to home loans.
Drop your questions below and I'll give you the honest answer!

07/22/2026

Temporary buydowns can go up to three years, but a one year buydown paid for by the seller is the most common. Sometimes a lender will run a promotion to cover the first year buydown for you. If you're considering that, always compare the lender's buydown rate to the rate you'd get without the buydown. A lot of times they bump up the rate to cover the cost of the buydown they're offering. That's not really a deal, it's just clever marketing.

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13403 N Government Way
Hayden, ID
83835

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