Brett Shoemaker - NMLS 2333791 - Kingdom Mortgage LLC

Home
United States
Hayden, ID
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.

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.

04/11/2026

Going international, boys! ✈️

04/06/2026

Starting May 1, 2026, fewer deals will fall apart over things like peeling paint, old sheds, or fireplace certifications. Less red tape, fewer delays, smoother closings.

01/08/2026

Congratulations to our clients who moved in over the holidays ONE DAY before their wedding day!

This one got denied by another lender the day before they were expecting to close so we sprinkled a little holiday season magic to get them in their home before the big day!

11/05/2025

October was my best month ever — 10 families helped & $4.1M funded ✅

4 refinances saving between $200/mo – $500/mo

4 first-time homebuyers making the jump

2 investors building wealth

1 client bought a new home + turned their old one into a rental

Momentum is real. Grateful. 🙏

If you’re thinking about buying, refinancing, or making your next move — let’s talk strategy, not just rates.

Address

13403 N Government Way
Hayden, ID
83835

Website

https://investwithbrett.com/, http://brettshoemakermortgage.com/

Alerts

Be the first to know and let us send you an email when Brett Shoemaker - NMLS 2333791 - Kingdom Mortgage LLC posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed Finance Company in Hayden?