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Zoe Raithel
Premier Loan Originator|NMLS #894102
San Luis Obispo, California Area | Mortgage
5.0 -
68 Review(s)
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All applications subject to credit approval. Program terms and conditions are subject to change without notice. Some products may not be available in all states. Other restrictions and limitations may apply. This is not a commitment to lend. Envoy Mortgage Ltd. #6666, 5100 Westheimer Road., #320, Houston, TX 77056, Phone #877-232-2461; AR Banker/Broker/Servicer License #103315 - AZ Mortgage Banker Licensee – License #0908096; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License #413 0597; CO Mortgage Company Registration # 6666, Regulated by the Division of Real Estate; Licensed by the Delaware State Bank Commissioner Licensed Lender Licensee #011264; Georgia Residential Mortgage Licensee License #23619; Illinois Residential Mortgage Licensee – License #MB.6759338; MA Mortgage Lender Licensee – License #MC6666 ; MA Mortgage Broker Licensee – License #MC6666; Licensed by the Mississippi Department of Banking and Consumer Finance License #6666; Envoy Mortgage Limited Partnership – Licensed by the New Hampshire Banking Department License #14552-MB; Licensed by the N.J. Department of Banking and Insurance NMLS #6666; Licensed Mortgage Banker – NYS Department of Financial Services, License #B500979, 746 Merrick Rd., Baldwin, NY 11510; OH Mortgage Broker Act Certificate of Registration #MB.804190.000; OR Mortgage Lending Licensee #ML-3933; Rhode Island Licensed Lender – License # 20092627LL; Rhode Island Licensed Loan Broker – License # 20122861LB; TX Mortgage Banker Registration- NMLS #6666; TX Regulated Loan License #42377. This office is licensed and examined by the Office of Consumer Credit Commissioner of the State of Texas; Virginia NMLS ID#6666 (www.nmlsconsumeraccess.org) – Lender License and Broker License # MC3021; Envoy Mortgage Ltd d/b/a Envoy Mortgage, L.P.- WA Consumer Loan Company License # CL-6666 –http://nmlsconsumeraccess.org
About Zoe Raithel
Getting a mortgage is a frustrating process... shopping for a low rate, dealing with mounds of paperwork, hoping you get decent service and can get someone on the phone to help... I can solve all that. My philosophy is to provide the convenience and low rates of an online lender with the AAA service of a local professional. AAA= AVAILABLE, easy to contact by voice, text or email; APPROACHABLE, feel comfortable when applying and throughout the process; ACCOUNTABLE, my staff and I will see your loan gets full attention and closes on time. If this is your first time buying a home, you may feel anxious or have lots of questions. I take my time, explaining the process and sharing with you what you should expect. When you work with me, I can help you get the most home for your money, and help you be in the best position when making an offer. If you're buying a bigger home, or downsizing to a smaller home, you probably have questions like, "Do I have to sell my current home before I buy a new one?" I can look at your unique situation and answer this question and any others that you may have - always with no obligation and no pressure. What about if you're looking at buying a vacation home or a retirement home in the area? You're likely busy, and want a local professional who can make the process smoother and eliminate problems. I've got you covered. Lastly, if you already own a home but are looking to refinance into a lower rate or possibly take cash out, I can help you explore your options and how much money you can save, or how much money you can take out. If any of these scenarios sounds like you, or if you have any other questions about mortgages that I can answer for you, contact me through LinkedIn. Or, you can voice or text me at (805) 400-8585, or email me at zraithel@envoymortgage.com. Want to learn more about my "Mortgages Made Easy" process but not yet ready for a conversation? Go to http://zoeraithel.com for my free guide.