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
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Business Hours
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9 AM to 5 PM
Sat
closed
Sun
closed
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Reviews from Web
Always available to help and answer any questions. Made the process go smoothly and stress free. Thank
Reply from Raquel Koester
August 26th, 2025 05:31 PM
I'm really glad to hear that I was able to make the process smooth and stress-free for you. Being available to help and answer your questions is something I always strive for, so it's great to know it made a difference. Thank you for sharing...
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Raquel was very helpful throughout the entire process. I was super nervous about buying a home and she took the time to explain everything multiple times in detail in a way I could understand. She made this a super positive experience for me!...
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Reply from Raquel Koester
August 26th, 2025 05:32 PM
I'm really glad that I could help make your home buying experience positive and alleviate some of your nerves. Buying a home can definitely feel overwhelming, so I'm pleased to hear that my explanations helped you feel more confident. It's...
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Fantastic experience! Wouldn't change a thing!
Reply from Raquel Koester
July 25th, 2025 07:56 PM
I'm so happy to hear that your experience was fantastic and that everything met your expectations. Ensuring a smooth process is always my goal, and it's wonderful to know that you wouldn’t change a thing. Thank you for sharing your thoughts...
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As this was our first time buying a home, we had so many questions and didn't know a lot about the process . Raquel made the process so enjoyable for us and helped every step of the way.
Reply from Raquel Koester
July 24th, 2025 01:13 PM
I'm so glad that I could make your first home buying experience enjoyable and assist you through every step. It's completely normal to have lots of questions when buying a home for the first time, and I'm pleased I was able to provide the guidance...
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Raquel made our home buying journey as seamless and easy as possible. Very happy!
Reply from Raquel Koester
July 24th, 2025 01:11 PM
I'm really pleased to hear that your home buying journey was so smooth and that you’re very happy with the experience. It was wonderful to assist you through this process. Thank you for sharing your experience with Home State Bank, and congratulations...
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Raquel NAILED the communication aspect. She was quick to answer questions and always available when the realtor and I needed information.
Reply from Raquel Koester
May 9th, 2025 06:06 PM
I'm thrilled to hear that you were satisfied with the communication throughout the process. It was a pleasure to assist you, and I'm glad I could provide the support and information you needed. Thank you for your feedback, Caitlin.
Working with Raquel was a fantastic experience from start to finish. They were professional, knowledgeable, and truly went above and beyond to make the mortgage process as smooth and stress-free as possible. Raquel took the time to explain...
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Reply from Raquel Koester
May 9th, 2025 06:06 PM
I'm thrilled to hear that your mortgage experience was seamless and that you felt supported and informed throughout the process. It was a pleasure assisting you, and I'm delighted that I could help find a rate that suited your needs. Thank...
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Raquel was extremely patient with me and my situation, and was always fun and pleasant to talk with.
Reply from Raquel Koester
April 13th, 2025 01:43 AM
I'm thrilled to hear that you found our interactions pleasant and that I could assist you with patience. It was a pleasure working with you, Beverly. Thank you for your kind words and for choosing Home State Bank.
Raquel was an absolute lifesaver throughout our home-buying journey! From start to finish, she provided exceptional support, ensuring we felt confident and informed at every step. She was always available, no matter how small our questions...
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Reply from Raquel Koester
March 22nd, 2025 06:42 PM
Morgan, I'm truly touched by your kind words. It was an absolute pleasure to be part of your home-buying journey and to assist in making your dream of homeownership a reality. I'm thrilled to hear that my support and guidance helped make the...
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She provided comprehensive and timely responses to all inquiries, including emails and text messages.
Reply from Raquel Koester
March 22nd, 2025 06:42 PM
Thank you so much, Roberto! I'm really glad to hear you found my responses helpful and timely. I always aim to provide the best support possible, and it's great to know that it's making a difference for you. If you have any more questions or...
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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.