Monica Lay

NMLS# 720624Residential Loan Officer

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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.

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Government loan options

Federal Housing Administration (FHA) loans have been helping people become homeowners since 1934. These loans offer favorable rates and low down payment requirements.

Government Loans

A woman holding a chair in a living room full of boxes

Buy your first home

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.

First-Time Homebuyers

Freedom from high interest rates

Refinancing is an ideal way to lower your monthly payment, finance home improvements and to consolidate your debt. Our specialists can help you determine if now is the right time to refinance.

Home Refinance

* 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'sMortgage Loan Originators National Mortgage Licensing System ID numbers.