Home Loans
Whether you're buying or building, you'll work side-by-side with a mortgage lender who knows the area like it's their own backyard - because it is. We're your neighbors. Trust that we'll always be nearby to answer questions and offer guidance throughout the entire lending process.
- Meet with you personally and listen to your individual goals
- Recommend a loan structure that meets your goals (we have many options and can customize a solution for you)
- Help you complete a loan application
- Keep you informed during the application, approval, and closing stages
Conventional
If you are thinking about buying your dream home or refinancing your current home loan, West Gate Bank® offers a variety of home mortgage financing programs to help you meet your needs. Our goal is to give you peace of mind. Our team of experienced mortgage lenders can help you through the entire mortgage lending process quickly and efficiently. Because we are a community bank, we know the local market and have great relationships with experienced realtors, appraisers, and title companies in our area.
VA
A loan program for eligible Veterans, active-duty service members, reservists and eligible surviving spouses guaranteed by the U.S. Department of Veteran Affairs. VA mortgages offer powerful advantages, including no down payment, no required mortgage insurance, and flexible and forgiving credit and income qualifying guidelines.
FHA
A Federal Housing Administration loan is insured by the Federal government and can help you achieve homeownership goals even if your finances are less than perfect. FHA mortgages offer flexible down payment requirement and credit underwriting guidelines.
USDA Rural Development Loans
USDA loans are government-backed loans offering low- and moderate-income families an opportunity to make homeownership a reality in eligible rural areas. USDA mortgages do not require a down payment for applicants who meet the program's income and location requirements.
NIFA
Whether you're tired of renting or simply want a place of your own, the Nebraska Finance Investment Authority is available to help you purchase your first home. NIFA's First Home and Home Buyer Assistance programs offer qualified borrowers assistance in qualifying for home loan purchases and can be combined with conventional and government loan programs throughout Nebraska.
Certain exceptions apply.
Mobile Mortgage
Home loans made easy with Mobile Mortgage from West Gate Bank!
Whether you’re buying or building, from pre-qualification to closing, Mobile Mortgage from West Gate Bank® will help you navigate the options and decisions that you'll face along the way. You'll work side-by-side with a lender through every step of the mortgage process, using either the mobile app or online at mobilemortgage.westgate.bank.
- Compare different lending scenarios using various loan programs to help determine which product is the best for you.
- Calculate the possible savings (or cost) of refinancing your mortgage.
- Scan in required documents on your phone and upload them quickly to expedite the loan approval process.
- Easily access contact information for your West Gate Bank loan officer and real estate agent.
- Stay up-to-date on your loan process and closing.
With Mobile Mortgage from West Gate Bank, you can trust that we'll always be nearby to answer questions and offer guidance throughout the entire lending process. Please contact your West Gate Bank mortgage lender for more details and to start a customized solution that fits your needs.
Scan the QR code to download the app now, or visit mobilemortgage.westgate.bank.
Extended Rate Lock
Our Construction HELP+ program can provide peace of mind by giving you greater control of your mortgage rate while you build your new home. Work with a lender to lock your interest rate early.
- Rate lock available for 3-9 months
- Available for Conventional Conforming Loans
- Relock your rate if interest rates improve*
- Avoid rate hikes that can impact your budget
This program is only available to qualified borrowers and underwriting terms and conditions apply. This program is subject to change without notice. Some restrictions may apply.
*Relock period is 60 days before closing. Program requirements may apply. See lender for details.
Bridge Loans
You bought a new house but still have to sell your current home - now what? During the transition period, a bridge loan can help span the temporary financial gap between the purchase of your new home and the sale of your existing home.
Home Equity Lines of Credit
Your Mortgage Team
Our Mortgage Lenders are ready to match you with a mortgage that fits your needs, and they'll help you navigate the entire buying process. Give us a call at 402.323.8987, or contact us directly.
Wayne Kreikemeier
SVP, Residential Mortgage Manager
- Phone
- 402.323.6521
- NMLS#
- 644161
- MLO Link
- https://mobilemortgage.westgate.bank/96wdu
Amy Dang
Mortgage Loan Officer
- Phone
- 402.323.8923
- adang@westgate.bank
- NMLS#
- 464683
- MLO Link
- https://mobilemortgage.westgate.bank/dr/c/nu737
Steve Kucirek
Assistant Vice President, Mortgage Loan Officer
- U.S. Navy Veteran
- Phone
- 402.292.1948
- NMLS#
- 1734948
- MLO Link
- https://mobilemortgage.westgate.bank/x0nam
Matt Melichar
Mortgage Loan Officer
- Phone
- 402.323.8900
- NMLS#
- 1926242
- MLO Link
- https://mobilemortgage.westgate.bank/cizfc
Tyler Peterson
Assistant Vice President, Mortgage Loan Officer
- Phone
- 402.758.8716
- NMLS#
- 406012
- MLO Link
- https://mobilemortgage.westgate.bank/zlay9
Kiann Ridgeway
Assistant Vice President, Mortgage Loan Officer
- Phone
- 402.323.7253
- NMLS#
- 493975
- MLO Link
- https://mobilemortgage.westgate.bank/vg8cf
Guthrie Steen
Assistant Vice President, Mortgage Loan Officer
- Phone
- 402.758.8727
- NMLS#
- 400111
- gsteen@westgate.bank
- MLO Link
- https://mobilemortgage.westgate.bank/dr/c/tahxp
Matt Swanson
Assistant Vice President, Mortgage Loan Officer
- Phone
- 531.289.3835
- NMLS#
- 959594
- MLO Link
- https://mobilemortgage.westgate.bank/tf1kz