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
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9 AM to 5 PM
Sat
closed
Sun
closed
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Reviews from Web
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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Raquel was outstanding every step of the way. She is very professional and great and keeping everyone in the loop throughout the entire process. Lender for life!!
Reply from Raquel Koester
October 26th, 2025 01:23 AM
Ensuring that everyone is well-informed and kept in the loop is always a priority for me, so I'm pleased to hear that you felt supported throughout the process. I'm grateful for your kind words and am glad you had a positive experience. If...
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Raquel has twice now been fantastic in helping to support our financial needs with the best solutions for our situations . We already plan a third in 2026
Reply from Raquel Koester
October 24th, 2025 02:08 PM
I appreciate you sharing your experience and returning to work with me at Home State Bank. It's great to hear that I've been able to provide the right support for your financial needs. Looking forward to assisting you again in 2026. Thank you...
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Raquel is always helpful, goes above and beyond and gives great advice . thank you
Reply from Raquel Koester
October 24th, 2025 02:08 PM
I truly appreciate your kind words. Being helpful and providing great advice are priorities for me, and I'm glad to know you felt supported throughout the process. Thank you for your feedback and for trusting me with your needs at Home State...
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A few bumps in the road but Raquel made it happen.
Reply from Raquel Koester
October 24th, 2025 02:09 PM
I'm glad I could help make things happen despite the bumps along the way. Your understanding and patience during the process are much appreciated. If there's anything more you need or any further questions, feel free to reach out. Thank you...
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Raquel was amazing throughout every step of the process, she was BEYOND helpful will all the questions and concerns my wife and I had as first time home buyers. Raquel made us both feel comfortable and heard from start to finish.
Reply from Raquel Koester
October 21st, 2025 08:40 PM
It's great to know that you and your wife felt comfortable and heard during your entire home buying journey. Helping you navigate all of your questions and concerns as first-time buyers was a pleasure. Thank you so much for sharing your experience...
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She was great to work with.
Reply from Raquel Koester
September 18th, 2025 06:40 PM
I’m glad to hear that working together was a positive experience for you. I strive to make every interaction as smooth and comfortable as possible. Thank you for sharing your thoughts, and if you need any further assistance, feel free to reach...
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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.