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.
- Becoming a well-informed buyer is important in the lending process. Our residential loan officers are here to help educate you on issues relating to homeownership through seminars and workshops.
- Federal Housing Administration (FHA) loans have been helping people become homeowners since 1934. These loans offer favorable rates and low down payment requirements.
- You know it when you find that perfect location. Whether you’re ready to build is a different subject. Our lot loans provide competitive rates, in-house approvals and fast processing, and we allow you to borrow up to 75% of the lot value.
- 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
- Mortgage CalculatorEnter your loan amount and interest rate to calculate your estimated monthly payment.
- Rent vs. Buy a HomeThe decision to buy a home is an important one. Our Rent vs. Buy Calculator helps you weigh your options.
- 15 vs. 30 Year MortgagePaying less interest vs. having a lower monthly payment. There’s much to consider when it comes to the length of your loan.
- Mortgage RefinanceInterest rates are just one factor in determining if a refinance is right for you.