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.

West Gate Bank's mortgage lenders will:

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

If you are a service member, veteran or eligible surviving spouse, you may qualify for a VA loan. These government-backed mortgages offer powerful advantages, including no down payment and no mortgage insurance, in addition to other flexible and forgiving requirements.

FHA

A federally-insured mortgage can help you achieve homeownership goals, even if your finances are less than perfect. Federal Housing Administration mortgages offer flexible lending standards for buyers with concerns about credit scores or small down payments, and refinancers with minimal equity.

USDA Rural Development Loans

Offered to low- and moderate-income families living in rural areas, this loan helps make homeownership a reality. Applicants must meet criteria as defined by the USDA, which includes income specifications, the location of the property, and a lack of adequate housing. This program provides up to 100% financing of the purchase price.

NIFA

Whether you're tired of renting or simply want a place of your own, this First-Time Homebuyer Loan program may be for you. NIFA programs offer qualified borrowers competitive interest rates, low or no down payments, closing cost assistance and government or conventional loans throughout Nebraska.

Certain exceptions apply.

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.

Features

Applies to 15, 20 and 30-year mortgages
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

Program requirements and restrictions may apply and are subject to change without notice. See lender for details.

*Relock period may only be utilized in the 60 day period prior to closing.

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.

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.