Pacific Northwest Home Loans LLC

Pacific Northwest Home Loans LLC NMLS #210976 BK-2006218 NMLS ID NMLS # 1660690, BK-2006218

With nearly two decades of experience in mortgage lending since 2005, Will has dedicated his career to helping clients navigate the complexities of home financing.

08/21/2026

Down payment assistance isn’t always a grant.

For qualified Washington buyers, Home 100 may pair an FHA first mortgage with a 10-year, fully amortizing second mortgage. Assistance may be up to 3.5% or 5% of the lower of the purchase price or appraised value and may be used toward the down payment and/or closing costs. Monthly payments are required, and the second-mortgage note rate is 2 percentage points higher than the first-mortgage note rate.

It isn’t limited to first-time buyers. The separate Home 100 forgivable option is not available in Washington under the current matrix.

DM me to check current eligibility and pricing. Program, borrower, property, occupancy, homebuyer-education, credit, AUS/underwriting, and pricing requirements apply. Terms and availability may change. This is not a commitment to lend or a rate quote. Not all borrowers qualify.

William “Will” Flanigan | NMLS #210976
NEXA Mortgage, LLC | NMLS #1660690
Licensed in WA, ID & AZ | Equal Housing Lender

08/20/2026

Yesterdays mortgage-market move is more complicated than the headline.

On August 19, the U.S. Treasury announced that beginning September 9 it will at least double the maximum size of scheduled longer-term liquidity-support buybacks. Long-term Treasury yields finished lower, but mortgage pricing does not move point-for-point with the 30-year Treasury because mortgage-backed securities carry different duration and prepayment behavior.

Thinking about buying or refinancing? DM me to talk through what the current market may mean for your situation.

Market data and pricing can change throughout the day. Rates, terms, costs, and eligibility vary by borrower, property, loan program, and lender. This is general market commentary—not a rate quote, commitment to lend, or guarantee of approval. Not all borrowers qualify.

William “Will” Flanigan | NMLS #210976
NEXA Mortgage, LLC | NMLS #1660690
Licensed in WA, ID & AZ | Equal Housing Lender

08/13/2026

Closing day has a way of redefining “new.” 🚙💥

Keep your loan team updated if your employment or income changes, you take on new debt or make a large purchase, or your timing or target property changes. Ask how any update applies to your specific situation before making assumptions.

Questions early beat surprises late.

William “Will” Flanigan | NMLS #210976
NEXA Mortgage, LLC | NMLS #1660690
Licensed in WA, ID & AZ | Equal Housing Lender

08/13/2026

Spokane County’s July market did not fit a one-line headline.

• 541 closed sales — up 6.5% from July 2025
• $429,450 median closed-sale price — down 1.3% from July 2025
• 1,697 active listings — up 9.8% from July 2025

Buyers had more homes to compare while closed-sale activity increased year over year. That does not mean every property changed value by the median percentage.

Shopping around Spokane? Send me the listing and I’ll help explain the financing side in plain English.

Source: Spokane REALTORS® Residential Report, July 2026. Data provided by SARMLS. Report reflects July 2026 closed sales reported through COB August 5, 2026. Percent changes shown are year over year versus July 2025.

Market statistics are aggregate and do not describe every property. General information only; not a commitment to lend or a personalized financing quote.

William “Will” Flanigan | NMLS #210976
NEXA Mortgage, LLC | NMLS #1660690
Licensed in WA, ID & AZ | Equal Housing Lender

Realtors: the smoothest transactions usually start before the offer.Three questions I want settled early: • Who owns the...
08/12/2026

Realtors: the smoothest transactions usually start before the offer.

Three questions I want settled early:

• Who owns the next update?
• What has changed since pre-approval?
• What still needs a plain-English answer?

The goal isn’t more messages. It’s fewer surprises.

Spokane and Coeur d’Alene agents—if you want a lending partner who keeps the handoff clear, let’s connect.

Will Flanigan | NMLS 210976
NEXA Mortgage, LLC | NMLS 1660690
Equal Housing Lender | Equal Housing Opportunity
Consumer Access: nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1660690
Not a commitment to lend. All loans subject to credit approval and program guidelines.

Spokane, this week has been brutal.To everyone who lost a home, who is staying with family or in a hotel, who is startin...
08/06/2026

Spokane, this week has been brutal.

To everyone who lost a home, who is staying with family or in a hotel, who is starting over from nothing — we are thinking about you.

When things settle enough that you can breathe, there is one thing worth doing: find your homeowners policy and read it. Not because paperwork matters right now, but because most policies help pay for a place to stay while you are displaced — and a lot of people never know that until someone tells them.

We can't undo this week. But you shouldn't have to figure this out alone.

Reach out if you need help. We're here for you.

Stay strong, Spokane. 🤍

Before you fall in love with a house, know three numbers:1. The monthly payment that feels comfortable.2. Your estimated...
07/31/2026

Before you fall in love with a house, know three numbers:

1. The monthly payment that feels comfortable.
2. Your estimated cash-to-close range.
3. The reserve you want left afterward.

A preapproval number is useful. Your comfort number is the one you have to live with. Save this for your next home-shopping conversation.

William “Will” Flanigan | NMLS #210976
NEXA Mortgage, LLC | NMLS #1660690
Licensed in WA, ID & AZ | Equal Housing Lender

07/30/2026

Tonight’s forecast: meteors, one telescope, and Will finding the only target that wasn’t in the sky. ☄️

William “Will” Flanigan | NMLS #210976
NEXA Mortgage, LLC | NMLS #1660690
Licensed in WA, ID & AZ | Equal Housing Lender

07/29/2026

Spokane asked for one fan. Will heard “full cooling package.” ☀️

William “Will” Flanigan | NMLS #210976
NEXA Mortgage, LLC | NMLS #1660690
Licensed in WA, ID & AZ | Equal Housing Lender

07/28/2026

Will heard “Player of the Week” and brought the wrong kind of home-field advantage. ⚾️

William “Will” Flanigan | NMLS #210976
NEXA Mortgage, LLC | NMLS #1660690
Licensed in WA, ID & AZ | Equal Housing Lender

Address

5559 S Sossaman Road Bldg #1 Ste #101
Mesa, AZ
85212

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 10am - 3pm
Sunday 1pm - 4pm

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