Raquel Koester
Mortgage Consultant | NMLS# 1862819
Raquel is a seasoned professional with an extensive background in finance ranging from personal loans, credit unions, working directly for a bank to now having over 10 years of experience as a mortgage lender. She serves as a senior loan of...... Show More
Location & Business Hours
Friday
9:00 AM to 5:00 PM
Saturday
closed
Sunday
closed
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Reviews from Web
Raquel was great! Professional, easy to talk to and let us know what was going on and what to do. Highly recommended
Raquel is a genius! There were problems with the sellers family and she remained positive and calm. She had answers for every question that I had. I think she should be cloned.I will refer her to all my friends that need a mortgage. She really...
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Reply from Raquel Koester
May 11th, 2026 03:43 PM
Margaret, I'm pleased that I could assist you through the challenges with the seller's family while maintaining a positive and calm approach. It's appreciated to know that you feel confident in referring me to your friends for their mortgage...
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Great experience...everything went smoothly!
Reply from Raquel Koester
May 11th, 2026 03:42 PM
I'm pleased to know that everything went smoothly for you, Van. Thank you for sharing your experience with me at Home State Bank.
raquel was on top of everything and made this an easy experience. She is so knowledgeable and answered every questions we had. Thank you Raquel
Reply from Raquel Koester
April 27th, 2026 06:21 PM
Marion, I'm grateful for your kind words and happy to hear that my knowledge and support made your experience easy. Thank you for taking the time to share your thoughts.
Raquel went above and beyond what I could have imagined. I know this wouldn't have happened without her.
Reply from Raquel Koester
February 17th, 2026 01:17 AM
I'm truly grateful for your kind words, Heather. It was my pleasure to assist you and ensure everything went smoothly. Knowing that I could play a part in making this possible for you means a lot to me. Thank you for your trust and support.
Her attention to detail and great communication.
Reply from Raquel Koester
January 29th, 2026 07:56 PM
JoAnne, I appreciate your kind words about my attention to detail and communication. It's important to me to provide a seamless experience, and I'm glad that came through for you. Thank you for choosing to work with me at Home State Bank.
Raquel was always available to help with any questions or concerns, and helped to patiently guide us through the process.
Reply from Raquel Koester
January 29th, 2026 07:56 PM
Matthew, I appreciate your taking the time to share your experience. It's important to me that I am available to address any questions or concerns you have. I'm pleased that I could guide you through the process patiently. If there's anything...
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She did everything as what she promised
Reply from Raquel Koester
November 5th, 2025 04:59 PM
I'm pleased to know that I could fulfill my promises and meet your expectations. Thank you for sharing your experience with me at Home State Bank. If there's anything else I can assist you with, please don't hesitate to reach out.
She very helpful and brief
Reply from Raquel Koester
October 26th, 2025 01:23 AM
I appreciate your feedback. It's great to know I could assist you effectively by providing helpful and concise support. If you have any more questions or need further assistance, don't hesitate to reach out.
Raquel is fantastic! She was so helpful from start to finish purchasing our home and then to refinance, understanding our situations and requirements and she went the extra miles to deliver. I’ll be back when the time comes again.
Reply from Owner
October 26th, 2025 01:22 AM
I'm pleased to hear that I could assist you through both your home purchase and refinancing process. It's important to me to understand and meet your specific needs, and I'm glad to know that my efforts were helpful. Looking forward to working...
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About
Raquel is a seasoned professional with an extensive background in finance ranging from personal loans, credit unions, working directly for a bank to now having over 10 years of experience as a mortgage lender. She serves as a senior loan officer who specializes in residential loans. Raquel thrives when faced with a challenge that allows her to find creative financing solutions for her clients, no matter the level of complexity. With a passion for building and maintaining relationships and partnerships, Raquel always strives to provide an outstanding and positive customer experience by building and establishing a foundation of trust and satisfaction for each client.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
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236
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Addresses and Serving Areas
Year Started
2012
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 1862819
Hobbies
- horse back ridding
Disclaimer
HOME STATE BANK NMLS #478452. HOME STATE BANK is an Equal Housing Lender. Credit and collateral are subject to approval. Terms and conditions apply. Rates, terms, programs and their conditions are subject to change without notice and certain programs/services may not be available in all states.