The Reverse Mortgage Specialists

At Pacific Northwest Home Loans, we pride ourselves on being the leading reverse mortgage specialists in the Pacific Northwest. With deep-rooted expertise and a personalized approach, we’ve helped countless homeowners unlock the value of their homes to enjoy greater financial freedom in retirement. Our team combines local knowledge with national experience, ensuring that every client receives clear, honest guidance tailored to their unique needs. Whether you're exploring options for aging in your family home or seeking additional income, we’re committed to making the reverse mortgage process simple, transparent, and empowering. It's this dedication to excellence and trust that sets us apart as the go-to experts in the region.

Meet Will Flanigan

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. Having worked for a select few companies, he has come to understand that change can be challenging. To better serve his clients and provide them with the best opportunities for success, he decided it was time to forge his own path.als.

Email: will@pacificnorthwesthomeloans.com
Phone: 509-461-5069

NMLS #210976

All Loan Types

  • CONVENTIONAL LOANS

    Conventional home loans are ideal for buyers with good credit and stable income. These loans are not backed by the government and offer flexible terms and competitive interest rates. Whether you're purchasing a primary residence, second home, or investment property, conventional loans provide versatile financing options that can suit a variety of needs.

  • FHA LOANS

    FHA loans are backed by the Federal Housing Administration and are a great option for first-time homebuyers or those with lower credit scores. With a low down payment requirement and more lenient credit guidelines, FHA loans make homeownership more accessible—especially if you’re just getting started.

  • VA LOANS

    VA home loans are available to veterans, active-duty military members, and eligible spouses. Backed by the U.S. Department of Veterans Affairs, these loans offer no down payment, no private mortgage insurance (PMI), and competitive interest rates. A VA loan honors your service with powerful home financing benefits.

  • JUMBO LOANS

    Jumbo loans are designed for properties that exceed conventional loan limits. Perfect for luxury homes or high-value real estate, jumbo loans require strong credit and higher income documentation. If you’re buying a home in a high-cost area, a jumbo loan can provide the funding you need.

  • REVERSE MORTAGES

    Reverse mortgages are a unique financial solution for homeowners aged 62 and older. They allow you to tap into your home equity and receive monthly payments or a lump sum—without making monthly mortgage payments. It’s a smart option for retirees looking to supplement retirement income and remain in their home.

  • DSCR LOANS

    DSCR (Debt Service Coverage Ratio) loans are tailored for real estate investors. Instead of focusing on your personal income, DSCR loans evaluate the income potential of the property itself. These are perfect for purchasing or refinancing rental properties where the rental income covers the loan payments.

Testimonials

  • My wife and I were looking to move from the north side of Spokane to the Spokane Valley. My boss recommended Will to me and from day one the guy was an absolute stud. We were pre-approved within hours of applying and he stuck with us during the over two year process that it took for the wife and I to find the house that we wanted. We were willing to wait to find that right house but Will didn't care. He guided us through the whole process and couldn't have made it any easier. If you're looking for a mortgage officer who will look out for your best interests look no further than Will Flanigan. You won't be disappointed.

    J. Clinton

  • Will and his team could not have been any better. My wife and I are blind and they went out of their way to make sure our needs were met. On closing day we were even picked up to make sure we found the location alright. If we ever need to get a mortgage Will is our only choice.

    J. Lavarn

  • From getting pre-qualified to closing, Will made everything as easy as possible buying our first house. He walked us through all the steps and outlined what we can expect to happen over our buying/closing process.


    B. Nye

  • Will is an honest upfront person, he doesn’t just tell you what you want to hear, but he tells you truth. I believe that is very important when buying a house. The process of buying a house can be very overwhelming at times, but Will does a great job at remaining clam and he continues to be reassuring. He does a great job of keeping you informed throughout the entire process. He is a hardworker and is always available when I needed to talk or have a question answered. He is also VERY accommodating to your needs! I made a lifetime friend while working with Will and I look forward to working together in the future!!

    K. Albertsons

  • Being a first time homebuyer, Will has undoubtedly exceeded our expectations. His communication skills are like no other. If he didn't answer his phone, he would return our call within the same day. My husband and I had a lot of questions during the process so he was detailed, easy to understand, and very knowledgeable in all areas for our lending options. Will fought exceptionally hard for us to get us the best rates, lowest payments and worked diligently. We were even able to move in earlier than anticipated. Will was recommended to us and we couldn't be anymore satisfied with his work!


    T. Mingle

  • Will is really good at explaining all options, values, pros and cons concerning lending, loans, improving credit scores, rates, how things are calculated, how things effect each other--etc.. I have learned more from him in 1 hour than 9 other people could ever explain to me. Wish I would have met him much earlier in life.

    K. Myer

The Mortgage Blog

Our mortgage blog is your go-to resource for clear, actionable advice on navigating the home loan process. Whether you're a first-time homebuyer or looking to refinance, we break down complex topics like loan options, credit scores, and budgeting into easy-to-understand guides. With practical tips and expert insights, our blog empowers you to make informed decisions and achieve your homeownership goals confidently.