Ray Woo

NMLS# 518808Residential Loan Officer

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About

When clients first meet Ray Woo, they know they're in for a worry-free borrowing experience. Ray started working in the mortgage industry in 1992, and he uses his knowledge to help people feel confident about the home loan process and every decision along the way. He specializes in custom construction and lot loans, and has assisted many investment borrowers and self-employed clients with complex income and tax scenarios. Ray's approach has earned him several professional accolades, including Banner's Best Award and the Seattle area's Five Star Mortgage Professional Award.

A life-long Washingtonian, Ray calls Newcastle home. He knows the entire West Coast market well, and can assist clients throughout Oregon, Washington, Idaho and California. Give Ray a call today.

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Government loan options

Federal Housing Administration (FHA) loans have been helping people become homeowners since 1934. These loans offer favorable rates and low down payment requirements.

Government Loans

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Buy your first home

If you’ve never bought a home or haven’t owned one in recent years, let us walk you through the process. Our specialists will listen to you, explain the options and help you find the best home loan for your situation.

First-Time Homebuyers

Freedom from high interest rates

Refinancing is an ideal way to lower your monthly payment, finance home improvements and to consolidate your debt. Our specialists can help you determine if now is the right time to refinance.

Home Refinance

* Subject to credit approval and limited to residents of Washington, Oregon, Idaho or California, or current Banner Bank deposit clients. View a list of Banner Bank'sMortgage Loan Originators National Mortgage Licensing System ID numbers.