FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Phone
- Cell: (509) 435-5639
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
Find the right fit
Conventional loans are the most popular because they come in all shapes and sizes including fixed- and adjustable-rates, with flexible down payment requirements and varied terms from 10-30 years.
Conventional 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.
Custom Construction Loans
Your home can help you achieve your dreams
Homeowners can borrow against the equity in their homes while keeping their first mortgage in-tact. A fixed-rate second mortgage can help with consolidating higher-interest debt or paying big expenses like a home remodel, college education or a second/vacation home.
Second MortgageServices
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.