For Spokane Realtors: What Working With Will Flanigan Looks Like

This page is for real estate agents, not buyers. Will Flanigan is a loan officer with NEXA Mortgage, NMLS #210976, licensed in Washington, Idaho, and Arizona, working out of the Spokane and Kootenai County market.

If you have been burned by a lender who went quiet during a transaction, this is what a different arrangement looks like.

The three things agents actually care about

Your client gets a real answer fast. Will pulls credit, reviews documents, and runs automated underwriting before issuing a letter. He does not hand out pre-qualification letters based on a phone conversation and then discover a problem two weeks into escrow.

You hear from him without chasing. Agents on both sides of a transaction get status updates at the points that matter: application received, documents in, appraisal ordered, appraisal received, conditions cleared, clear to close. If something slips, you hear it from him before you hear it from your client.

He answers the phone on weekends. Offers get written on Saturdays. A pre-approval letter that arrives Monday morning is a pre-approval letter for the house someone else bought.

What he will not do

He will not promise a closing date before he has seen the file. He will not quote a rate to a client he has not qualified. He will not tell your buyer they are approved for something they are not, just to keep an offer alive.

Those sound like negatives. In practice they are the reason files close.

Co-marketing, done inside the rules

Will can participate in genuine co-marketing with agents: joint open house materials, shared educational content, first time buyer classes. Under RESPA, any co-marketing has to reflect a fair value split for actual services and actual exposure, and payments cannot be tied to referrals. Will does not pay for referrals and will not ask you to.

If you want to run a homebuyer education night, a first time buyer workshop, or a listing presentation segment on financing, he will show up and present.

What he can do for your listings

For a listing, Will can prepare a financing sheet showing what the monthly payment looks like at several down payment levels for that specific address, with the actual property taxes rather than a countywide average. It goes in the flyer or on the counter at the open house, and it answers the question every visitor is silently doing math on.

He can also pre-review an unfamiliar buyer's pre-approval letter for you before you advise your seller, at no cost, so you know whether the offer in front of you is solid.

Programs he works with regularly

Conventional, FHA, VA, USDA, jumbo, and Non-QM including bank statement programs for self-employed buyers. Reverse mortgages for clients aged sixty-two and older, which comes up more in the Spokane market than most agents expect. Licensed on both sides of the state line, so a Spokane buyer looking at Post Falls or Coeur d'Alene does not need a second lender.

How do we start?

A conversation. Will works with a small number of agents rather than a wide list, because the point is being genuinely available rather than being one of forty names. If you want to send one file through and see how it goes before anything else, that is the normal way this starts.

Do you require exclusivity?

No. Send one deal, send ten, or send one a year. Your clients are your clients.

Can you close in Idaho?

Yes. Will is licensed in Washington and Idaho, so cross-border buyers in Kootenai County can stay with the same loan officer.

What is your communication standard?

Updates at each milestone without being asked, and a phone that gets answered outside business hours during an active transaction. If that is not what you experience, tell him directly.

Reach out

Call or text (509) 461-5069, or email [email protected].

---

William Flanigan, Loan Officer, NMLS #210976. NEXA Mortgage, LLC, NMLS #1660690. Licensed in Washington, Idaho, and Arizona. Arizona Mortgage Banker License #BK-2006218. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit and property approval. Programs, rates, and terms subject to change. NMLS Consumer Access: https://www.nmlsconsumeraccess.org/

---

William Flanigan, Loan Officer, NMLS #210976
NEXA Mortgage, LLC, NMLS #1660690
Licensed in Washington, Idaho, and Arizona. Arizona Mortgage Banker License #BK-2006218.
Equal Housing Lender.
NMLS Consumer Access: https://www.nmlsconsumeraccess.org/
Corporate Address: 5559 S Sossaman Rd Bldg #1 Ste #101, Mesa, AZ 85212
Phone: (509) 461-5069