Monica Lay Professional Headshot

Monica Lay Residential Loan Officer

NMLS# 720624
Residential Loan Officer

Address

3002 S Southeast Blvd
Spokane, , 99223

Phone

Monica Lay Residential Loan Officer

NMLS# 720624

Address

3002 S Southeast Blvd
Spokane, , 99223

Phone

About

Monica Lay prides herself in delivering the best solutions tailored to your unique lending needs. She embraces Banner's culture of "doing the right thing each and every day." With 27 years of industry experience, Monica has the skills and expertise to guide you through the lending process with top-notch service.

She knows the communities she serves and has built a network of industry professionals focused on the goal of ensuring successful loan completion for her clients. Married with two children, Monica also gives back to her community, volunteering with Friends of the Library, area schools and Big Brothers/Big Sisters.

With her broad-based knowledge of the lending industry and extensive experience serving first-time homebuyers, Monica has the skills to ensure a smooth and successful home purchase. Contact her today for assistance with your lending needs.

Featured

  • A woman and a man holding a small chalkboard
    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. And, you’ll be toasting your new home in no time.
  • A man holding up building plans to a woman and a man inside a partially-built house.
    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. Land or lot purchase can be included.
  • A female firefighter placing a helmet on a young girl.
    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.
* 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's

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

Mortgage Calculators

  • Blue and white calculator
    Mortgage Calculator
    Enter your loan amount and interest rate to calculate your estimated monthly payment.
  • The letter A with a down arrow and the letter B with an up arrow
    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.
  • Craftsman style house with a chimney.
    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.
  • A right hand open with a dollar bill floating above it.
    Mortgage Refinance
    Interest rates are just one factor in determining if a refinance is right for you.