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Ray Woo

NMLS# 518808Residential Loan Officer

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Address

2918 78th Ave SE
Mercer Island, WA, 98040

Phone

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

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Loans for frontline professionals

Our Community Heroes program aims to counteract the rising cost of housing by making financing accessible and affordable for frontline professionals. We’re honored to help neighbors become homeowners.

Community Heroes Loans
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Homeownership is within reach

Buying your first home is a exciting decision. Our specialists are here to learn about your homeownership goals and assist you with financing options that are right for you.

First Time Home Buyers
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Ability to own through government programs

If you are looking for a government home loan, we have you covered with our wide range of loan options. FHA Loans, VA Loans and USDA Rural Loans offer favorable rates and low down payment requirements.

Government Loans

Services

Purchase
Refinance
Cash-Out Refinance
Down Payment Assistance
Pre-Qualification
Pre-Approval
Mortgage Rates
Fixed Rate Loans
Adjustable Rate Loans
Vacation/Second Homes
Investment Properties
Land Loans
Home Equity Line Of Credit (Heloc)
Community Land Trust

Payment Calculators

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Mortgage Calculator

Enter your loan amount and interest rate to calculate your estimated monthly payment.

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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.

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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.

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Mortgage Refinance

Interest rates are just one factor in determining if a refinance is right for you.