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
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Raquel was able to move quickly to help us secure a mortgage for our vacation home. She was also extremely helpful and knowledgeable with the process and adapted to changes quickly.
Reply from Raquel Koester
September 2nd, 2026 03:09 PM
Jeffery, I'm glad I could assist you in securing a mortgage for your vacation home quickly. Your feedback on my helpfulness and adaptability during the process is greatly appreciated. Thank you for sharing your experience!
Raquel made herself very available at all hours of the day, super friendly, does a job well done!
Reply from Raquel Koester
August 20th, 2026 05:45 PM
Taylor, I appreciate your kind words. I'm pleased to know that my availability and friendliness made a positive impact on your experience. Thank you for sharing your feedback!
Raquel was amazing and really went above and beyond! She is a very professional and thinks outside the box. I would recommend her to anyone looking for a home loan!
Reply from Raquel Koester
August 11th, 2026 08:23 PM
Donald, I appreciate your kind words and recommendation. I'm glad to hear that my approach and professionalism were helpful in your home loan journey. Thank you for trusting me with this important process.
Raquel at Home State Bank did an outstanding job on helping me secure my home mortgage loan. She walked me through every step of the process and was very fast to answer any and all questions. Her professionalism is top notch and is truly a...
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Reply from Owner
September 2nd, 2026 03:17 PM
Jeff, I'm grateful for your kind words and recommendation. It's great to hear that my assistance throughout the mortgage process and my quick responses were helpful to you. Thank you for trusting me with your home mortgage needs.
Working with raquel was a great experience from start to finish. They were knowledgeable, responsive, and always took the time to answer my questions and explain each step of the process. Their professionalism and support made buying my home...
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Reply from Raquel Koester
July 31st, 2026 05:08 PM
Samuel, I'm pleased to hear that my knowledge and responsiveness helped make the home buying process less stressful for you. I'm grateful for your kind words and happy I could support you in reaching closing day. Thank you for sharing your...
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Raquel went above and beyond to ensure my home loan was completed and ready for closing. Very easy to talk to, and took the time to answer all my questions. Comunication was outstanding, guiding me through every step of the way to closing....
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Reply from Raquel Koester
July 1st, 2026 02:56 PM
Jeffrey, I'm happy to hear that I could guide you smoothly through the home loan process and that my communication was helpful. It was my pleasure to answer your questions and make the experience as easy as possible for you. Thank you for your...
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Raqual was available anytime we had any questions or concerns . Walked us through everything
Reply from Raquel Koester
July 1st, 2026 02:57 PM
Terrie, I'm pleased to hear that I could be available whenever you had questions or concerns. Walking you through everything is always my goal to ensure a smooth experience. Thank you for sharing your feedback!
Buying our first home felt overwhelming at times, but Raquel made the entire process so much easier. From the very beginning, she was knowledgeable, patient, and always willing to answer every question we had. She kept usinformed throughout...
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Reply from Raquel Koester
July 1st, 2026 02:57 PM
Jennifer, I'm pleased to hear that I could make the home buying process easier for you. It's important to me to provide clear explanations and ensure you're comfortable every step of the way. Thank you for your kind words and trust.
Raquel is a really profesional hard working mortgage consultant. she helped us to achieve our dream. We are so grateful she got us there. Thank you so much Raquel.
Reply from Raquel Koester
July 1st, 2026 02:57 PM
Edwin, I'm pleased to know that I could assist you in achieving your dream. Your gratitude means a lot to me, and I'm thankful for your kind words about my professionalism and hard work.
Although homebuying can be stressful, -Raquel made the process so manageable. She made me feel less stressed and made the process so smooth. I will always appreciate her and recommend her to eveyone I can.
Reply from Raquel Koester
July 1st, 2026 02:58 PM
Enedelia, I'm so happy to know that I could help make the homebuying process more manageable for you. It's rewarding to hear that I was able to alleviate some of the stress and ensure a smooth experience. Your recommendation means a lot to...
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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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Memberships
- Horse society
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2012
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 1862819
Hobbies
- horse back riding
- swimming
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.