In-house lending

Financing that never leaves the building.

Flatwater’s mortgage desk runs through West Capital Lending — same team, same file, from pre-approval to closing.

Purchase price$380,000

Down payment10%

Credit range720 – 759

One team holds the appraisal, the underwriting and the closing date.

When your lender and your brokerage are the same team, nothing gets lost in the handoff. Fewer delays, one point of contact, and a closing date that holds.

Pre-approval in days, not weeks

Submit once and get a letter strong enough to write an offer with.

One point of contact

The person who takes your application is the person you call at closing.

Rate transparency

You see the rate, the points and the fees on the same sheet.

Local underwriting judgement

Farm income, acreage and self-employment are normal here, not exceptions.

Programs

Find the loan that fits the purchase.

Conventional

The standard route for buyers with steady income and reserves. Best pricing once you clear 20% down.

Who it’s forRepeat buyers, strong credit

FHA

Lower down payment and more forgiving credit requirements, with mortgage insurance for the life of most loans.

Who it’s forFirst-time buyers

VA

No down payment and no monthly mortgage insurance for eligible service members and veterans.

Who it’s forVeterans, active duty, surviving spouses

USDA Rural Development

Zero down on eligible properties outside the metro core — most of Nebraska qualifies.

Who it’s forSmall-town and rural buyers

Jumbo

Financing above the conforming limit, with tighter reserve and documentation requirements.

Who it’s forHigher-price purchases

Construction & renovation

One loan that covers the build or the remodel and converts to permanent financing.

Who it’s forNew builds, acreage projects, major renovations

What happens next

Five steps, start to keys.

Pre-approval

Submit your documents and get a commitment letter in a matter of days.

Find the home

Your agent and loan officer are on the same team, so the offer is ready when you are.

Full application

We confirm the property, finalize the loan structure and send the disclosures.

Appraisal and underwriting

The file moves through our in-house underwriting desk — no outside delays.

Clear to close

Docs go to title, you sign, and the keys are yours.

Common questions

Before you apply.

How much do I need for a down payment?

It depends on the loan type. Conventional loans can go as low as 3% for qualified first-time buyers, though 20% removes mortgage insurance. FHA starts at 3.5%, and VA and USDA Rural Development both offer zero-down options for eligible buyers. We’ll match the program to what you actually have.

Does a pre-approval affect my credit?