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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.

Featured

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First-time homebuyer loans

If you’ve never bought a home or haven’t owned one in recent years, let us walk you through our many home buying programs. Contact us today – our specialists are ready to start this journey to homeownership together.

First-Time Homebuyer
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Answering your homebuying questions

Becoming a well-informed buyer is important. We make it simple. Our residential loan officers are here to answer your home financing questions and prepare you for homeownership through our seminars and workshops.

Homebuyer Education
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Your home can help you achieve your dreams

Have major expenses on the horizon, like a remodel or college tuition? As a homeowner you can borrow against the equity in your home while keeping your first mortgage intact. Ask us how a fixed-rate second mortgage can help.

Second Mortgage

Services

Purchase
Refinance
Cash-Out Refinance
Down Payment Assistance
Pre-Qualification
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.