
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.
Featured

Veterans, you deserve a home.
Veteran Administration (VA) Loans offer competitive rates for military veterans, active and former service members, surviving spouses and retirees. Our experts understand VA loans and will support you in your homebuying journey.
Veterans Home Loans
Build your dream home.
Building or renovating your home is easier than ever with our All-in-One Custom Construction Loan. Short term construction, renovation costs and permanent financing are rolled into one loan with one set of closing costs.
Home Construction Loans
Your home can help you achieve your dreams.
Have major expenses on the horizon, like a remodel or college tuition? As a homeowner you can borrow against the equity in your home while keeping your first mortgage intact. Ask us how a fixed-rate second mortgage can help.
Home Equity LoanServices
Payment Calculators
Mortgage Calculator
Enter your loan amount and interest rate to calculate your estimated monthly payment.
Rent vs. Buy a Home
The decision to buy a home is an important one. Our Rent vs. Buy Calculator helps you weigh your options.
15 vs. 30 Year Mortgage
Paying less interest vs. having a lower monthly payment. There’s much to consider when it comes to the length of your loan.
Mortgage Refinance
Interest rates are just one factor in determining if a refinance is right for you.





