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Zoe Raithel

Zoe Raithel

VP of Mortgage Lending · Rate

5.0(403 reviews)

Reviews403

“Zoe was incredibly creative and found a way for our family to move into our dream forever home, a result that simply wouldn’t have been possible without her.”

Not sure how Zoe and her team could have done a better job! Zoe was incredibly creative and found a way for our family to move into our dream forever home, a result that simply wouldn’t have been possible without her. From the very beginning, Zoe was in constant contact, responding quickly to every question or request, even during evenings and weekends. As the process moved forward, her team stepped in and showed the same professionalism, responsiveness, and care that Zoe provides. When you’re dealing with million-dollar loans, you need someone you can trust, someone who’s truly in your corner. That’s exactly what we found in Zoe and her team. We are beyond grateful for their expertise and dedication. Thank you, thank you, thank you for helping make our dreams come true!

Response from Owner

Thank you so much! It’s been my pleasure helping you and your family through the years and I look forward to working together again!

“In three days she had me an approval letter to make my offer. She was extremely knowledgeable, professional and made me feel like I was ALWAYS her top priority.”

I cannot praise Zoe Raithel at Cross Country Mortgage enough! I decided to move forward with an out of state purchase and after hitting a few bumps in the road with an initial lender (this purchase being my third home) I turned to Zoe. In three days she had me an approval letter to make my offer. She was extremely knowledgeable professional and made me feel like I was ALWAYS her top priority. Excellent communication and first class service all the way. Her trusty assistant Melissa was amazing at keeping me in the loop on every move and beyond helpful with paperwork. I’ve since refinanced one of my properties making this two separate transactions with Team Zoe in 4 months. They are the nicest people who genuinely want to make your “stuff” happen! THANK YOU TEAM ZOE AT CROSS COUNTRY MORTGAGE for helping me with a super exciting Nashville purchase and a fantastic refi rate here at home. You were a pleasure to work with! Jen G :)

Response from Owner

Thank you for the kind words! We love helping our clients achieve their goals!

Jennifer G.View on Google
“Working with Zoe was, in short, an incredible experience. She made our 20-day escrow process easy, fast, and seamless.”

Working with Zoe was, in short, an incredible experience. We purchased our first home with her help at Cross Country Mortgage and couldn't be happier with her attention to detail, understanding of the mortgage process, helpfulness, and creativity in managing our loan. She made our 20-day escrow process easy, fast, and seamless. We feel blessed to have crossed paths with her and will recommend her to everyone we meet. Definitely choose Zoe for your home loan needs; you will be delighted. Now we have a beautiful new home and a wonderful new friend.

Response from Owner

Thank you so much for the kind words! Helping first time homebuyers that have worked so hard toward their goal is always the best part of my job! I wish you many happy and Healthy years with your growing family in your new home!

Joshua H.View on Google
“Her communication was truly above and beyond — clear, consistent, and proactive every step of the way, which made the entire transaction smooth and stress-free.”

Zoe Raithel did an outstanding job representing my buyers on a recent home purchase in Paso Robles. Her communication was truly above and beyond — clear, consistent, and proactive every step of the way, which made the entire transaction smooth and stress-free. She stayed on top of every detail and we even closed escrow early, which is a rare and impressive feat. As a realtor, I work with many lenders, and Zoe is hands down the best. I highly recommend her to anyone looking for a reliable, responsive, and knowledgeable home loan lender. I look forward to working with her again soon!

Response from Owner

Thank you so much for the kind words! It was truly a pleasure working with you on this transaction. I really appreciate your trust and collaboration—great teamwork always makes a difference, and closing early was a huge win for everyone involved. I’m grateful for the opportunity to support your buyers and help make the process smooth and stress-free. I look forward to many more successful transactions together!

Amanda B.View on Google
“Zoe was very non judgmental, considerate and a great listener. She gave us options to choose from and explained everything in detail.”

Zoe was very non judgmental, considerate and a great listener. She gave us options to choose from and explained everything in detail. We were able to bounce ideas off her and she gave us honest advice. We would definitely trust her to refinance again when the time comes. My husband and I were very anxious regarding the thought of refinancing but after the first meeting with Zoe we were just excited about our options. Thank you Envoy and thank you Zoe!

John G.
“Everything was extremely streamlined, stress free and very efficiently managed. A really good rate and the fastest closing ever made things sven better.”

We were on a tight timeline to get our loan processed. We reached out to Zoe and in just a couple of hours the process was underway. She kept us informed at every stage of the process and always responded to us within minutes of us contacting her. Everything was extremely streamlined, stress free and very efficiently managed. A really good rate and the fastest closing ever made things sven better. Zoe is not only great at what she does, she is a wonderful person to work with.

Vidhu S.
“Her team's ability and their contacts secured a last minute deal under a difficult scenario and I was in escrow the evening I submitted my offer!”

Ever see a clutch athlete in the last seconds hit the game winner? That was Zoe and her team. Her team's ability and their contacts secured a last minute deal under a difficult scenario and I was in escrow the evening I submitted my offer! It was very easy to close in under two weeks due to their professionalism and timely facilitation of all requirements. This is my second home I was able to buy with them so I highly recommend Finding out what they have to offer. Great job Zoe and team!

Jason B.
“Zoe and her staff Cindy are always remarkable! Very helpful, knowledgeable, friendly, and fast!”

Zoe and her staff Cindy are always remarkable! Very helpful, knowledgeable, friendly, and fast! This is our third transaction with them and I would use no one else. I always recommend them to anyone looking.

Timothy H.
“Zoe was incredibly creative and found a way for our family to move into our dream forever home—a result that simply wouldn’t have been possible without her.”

Not sure how Zoe and her team could have done a better job! Zoe was incredibly creative and found a way for our family to move into our dream forever home—a result that simply wouldn’t have been possible without her. From the very beginning, Zoe was in constant contact, responding quickly to every question or request, even during evenings and weekends. As the process moved forward, her team stepped in and showed the same professionalism, responsiveness, and care that Zoe provides. When you’re dealing with million-dollar loans, you need someone you can trust, someone who’s truly in your corner. That’s exactly what we found in Zoe and her team. We are beyond grateful for their expertise and dedication. Thank you, thank you, thank you for helping make our dreams come true!

Donald D.
“We have utilized Zoe Raithel's services for many years to help us with our mortgage loan needs. She has knocked it out of the park on every occasion.”

We have utilized Zoe Raithel's services for many years to help us with our mortgage loan needs. She has knocked it out of the park on every occasion. Recently we contacted her again as we were considering buying a new home. She turned us around a pre-approval letter on a Saturday as there was a lot of action on the property and we didn't want to miss the opportunity. We ended up not buying the home, but we were ready because of Zoe's quick turnaround and amazing customer service. While we are reevaluating our purchasing decision, one thing I know for sure, when we need financial help with a mortgage loan, Zoe will be the one we contact. I highly recommend Zoe to anyone needing a mortgage loan or refinance, etc. When you're dealing with the amount of money mortgage loans represent these days, you need someone you can trust. Zoe Raithel is that person!! Thank you Zoe!! Don & Lynne Dodds

Don D.
“Not sure how Zoe and her team could have done a better job! Zoe was incredibly creative and found a way for our family to move into our dream forever home”

Not sure how Zoe and her team could have done a better job! Zoe was incredibly creative and found a way for our family to move into our dream forever home, a result that simply wouldn’t have been possible without her. From the very beginning, Zoe was in constant contact, responding quickly to every question or request, even during evenings and weekends. As the process moved forward, her team stepped in and showed the same professionalism, responsiveness, and care that Zoe provides. When you’re dealing with million-dollar loans, you need someone you can trust, someone who’s truly in your corner. That’s exactly what we found in Zoe and her team. We are beyond grateful for their expertise and dedication. Thank you, thank you, thank you for helping make our dreams come true!

Don D.
“Zoe and Melissa get the process done with the FASTEST CLOSINGS I have ever had. I highly recommend Zoe to everyone I know”

Zoe has handled multiple purchases/refinances for us, and they are absolutely the best! Meticulous to a fault, Zoe and Melissa get the process done with the FASTEST CLOSINGS I have ever had. I highly recommend Zoe to everyone I know and will only work with her for financing. I even worked with Zoe and Melissa on our recent move to Tampa, Florida, and they have handled the long-distance transaction as easily as if I were still local. For Zoe and her team, Cross Country is not just a name!

Rachel H.
“Zoe and the Cross Country team are expedient, knowledgeable, kind and professional. I have purchased many properties and this loan process was one of the smoothest.”

Zoe and the Cross Country team are expedient, knowledgeable, kind and professional. I have purchased many properties and this loan process was one of the smoothest. Zoe’s team was the reason my escrow closed on time and I am very grateful.

Michele S.
“She was extremely knowledgeable professional and made me feel like I was ALWAYS her top priority. Excellent communication and first class service all the way.”

I cannot praise Zoe Raithel at Cross Country Mortgage enough! I decided to move forward with an out of state purchase and after hitting a few bumps in the road with an initial lender (this purchase being my third home) I turned to Zoe. In three days she had me an approval letter to make my offer. She was extremely knowledgeable professional and made me feel like I was ALWAYS her top priority. Excellent communication and first class service all the way. Her trusty assistant Melissa was amazing at keeping me in the loop on every move and beyond helpful with paperwork. I’ve since refinanced one of my properties making this two separate transactions with Team Zoe in 4 months. They are the nicest people who genuinely want to make your “stuff” happen! THANK YOU TEAM ZOE AT CROSS COUNTRY MORTGAGE for helping me with a super exciting Nashville purchase and a fantastic refi rate here at home. You were a pleasure to work with! Jen G :)

Jennifer G.
“This is my third transaction with them since 2016 with Zoe and her team, and I can with 100% confidence say I will continue to use her without a doubt.”

Everything you would expect from a company that gets the job done for you. All questions answered, great amount of patience for inquisitive people making lifelong choices, and the understanding of the situation especially right now with Covid/China virus. This is my third transaction with them since 2016 with Zoe and her team, and I can with 100% confidence say I will continue to use her without a doubt. Thank you Zoe and your team for delivering as usual.

Jason B.
“Communicative and always in touch, super knowledgeable and there every step in the way, Team Zoe is the mortgage officers you want on your side!”

From the first moment everything was taken care of on time, if not a little ahead of schedule. Questions I had, even the most random and what I thought were the scariest questions Zoe's team answered. They also asked the underwriting team just to make sure. All along the way this made us feel so, so better. They walked us through the later approval process in the best way. When there were conditions we needed to meet, we were told promptly, and when they met the conditions they told us what we'd submitted would work. Again, I think this is because they know what they're talking about and able to find answers. In the end we were give the Clear to Close, and were able to close a day earlier than expected. In all they helped us navigate any of the pitfalls that could've sunk the sale, mostly by accurately estimating the time it would take for each step along the way. Communicative and always in touch, super knowledgeable and there every step in the way, Team Zoe is the mortgage officers you want on your side!

Jeff M.
“Zoe and Cindy bent over backward to make this quick loan and escrow happen.”

Zoe and Cindy bent over backward to make this quick loan and escrow happen. Having gone through lenders in the past, and the myriad of hoops one has to jump through, it is refreshing to deal with a company that looks to be the client advocate first, and accommodate our needs while still adhering to lending rules. This is a professional organization run by empathetic professionals who have twice done the job for me in a completely painless process. There is no reason to look elsewhere.

Arthur T.
“Zoe Raithel and her team at CrossCounty Mortgage provided us with outstanding service as regards pre-qualifying and qualifying for a loan.”

Zoe Raithel and her team at CrossCounty Mortgage provided us with outstanding service as regards pre-qualifying and qualifying for a loan. She typically responded to email or phone messages within an hour and in fact, responded to a complicated question while on vacation waiting to board a flight! I found Zoe (and her assistant, Melissa) to be professional, organized, knowledgeable, and caring. Our loan terms were excellent and the process could not have gone more smoothly. I highly recommend her for anyone seeking a home mortgage in SLO County.

June M.
“If you are looking for someone that will take one of the most complicated things you will ever do (buying a home) and make it so incredibly simple, go see Zoe.”

If you are looking for someone that will take one of the most complicated things you will ever do (buying a home) and make it so incredibly simple, go see Zoe. We were first-time homebuyers in a new city and were frightened by the process. From the very first meeting, Zoe made us feel right at home. Everything from the application to close of escrow was handled with extreme professionalism. Her knowledge and experience helped us buy our dream home and we can’t thank her enough. This will not be the last time we use Zoe and Envoy Mortgage. Thank you!!!

Christopher F.
“If you want someone that shows empathy through building rapport and demonstrates a positive attitude, she is without a doubt a super star in the mortgage business.”

Cross Country Mortgage was well organized, super effective communication and at the same time responsive to all inquires. I would like to thank Zoe Raithel for her flexibility in assisting our customer questions. If you want someone that shows empathy through building rapport and demonstrates a positive attitude. She is without a doubt a super star in the mortgage business, I have already recommended her services to several potential clients. Outstanding, thank you Zoe.

Response from Owner

Thank you for the kind words! Always happy to help!

William R.View on Google
“Zoe was incredibly helpful, knowledgeable, and patient throughout the entire process. ( ... ) I would recommend her to all my family, friends and clients.”

We recently worked with Zoe on securing a reverse mortgage, and the experience was excellent from start to finish. Zoe was incredibly helpful, knowledgeable, and patient throughout the entire process. Anytime we had questions or needed clarification, she was always available and quick to respond. I would recommend her to all my family, friends and clients.

Response from Owner

We're so pleased to hear that your experience working with Zoe was excellent from beginning to end. Her ability to provide knowledgeable, patient support clearly made a significant impact, and we’re glad she could be there whenever you had questions. Your recommendation to family, friends, and clients truly means a lot to us. If you need further assistance, please don't hesitate to reach out.

“We had an amazing experience working with Zoe. From start to finish, she was incredibly knowledgeable, responsive, and genuinely passionate about helping us through the process.”

We had an amazing experience working with Zoe. From start to finish, she was incredibly knowledgeable, responsive, and genuinely passionate about helping us through the process. She guided us every step of the way, making everything feel smooth and manageable. Any time we had a question or concern, she was quick to respond and always had our best interests in mind. We're so grateful for her support and couldn't have asked for a better advisor. Highly recommend working with Zoe!

Response from Owner

It was my pleasure to be your guide!

Anthony&Kyla F.View on Google
“Zoe and her team are Phenomenal! ... I have been buying and selling real estate for over 20 years and I can definitely say that she has perfected her craft!”

Zoe and her team are Phenomenal! I would highly recommend that if you are looking to finance a home or refinance a home to give her a call! She makes the process pain free. I have been buying and selling real estate for over 20 years and I can definitely say that she has perfected her craft! Amazing experience! Can't wait to do more!

Response from Owner

Thank you for the kind words! Welcome back to the "neighborhood"!

“Zoe, Laurie and team were incredibly responsive, professional, helpful and always looked out for our best interest. They helped us lock in our rate at just the right time.”

Zoe, Laurie and team were incredibly responsive, professional, helpful and always looked out for our best interest. They helped us lock in our rate at just the right time. We couldn’t be happier with their service and care for us as clients…and now friends.

Response from Owner

It was our pleasure to assist! Welcome home to the Central Coast!

“She's professional, honest, and finds ways to make the process so much less stressful for everyone involved. I highly recommend Zoe and her team of professionals!”

Zoe Raithel is my go-to for clients looking to purchase locally in SLO County. I know I can trust she will find the right program for them, and work diligently to get the job done. She's professional, honest, and finds ways to make the process so much less stressful for everyone involved. I highly recommend Zoe and her team of professionals!

Response from Owner

Thank you so much! We truly appreciate the opportunity to partner with local professionals and helping our clients by being a small part of their Happily Ever After story...

Jennifer H.View on Google
“Zoe and Laurie at Team Zoe are the best! They made the process of getting our home loan as painless as possible and walked alongside of us throughout the entire process.”

Zoe and Laurie at Team Zoe are the best! They made the process of getting our home loan as painless as possible and walked alongside of us throughout the entire process. You won’t find a friendlier, more professional, approachable team out there! We are forever grateful for all of their help!

Response from Owner

Thank you so much for the kind words! It's been absolutely our pleasure to work with you on the next stage of your journey! Welcome to the neighborhood!

“We had another seamless process working with Zoe... She was quick to respond to our questions... We could not be happier with our experience.”

We had another seamless process working with Zoe. This is my third time working with her team was efficient, professional and on top of everything that we needed to get completed along the way. She was quick to respond to our questions and was able to answer our questions to erase any concerns. We could not be happier with our experience with her team. I would definitely recommend her to anyone needing a top notch Mortgage Lender in San Luis Obispo County. Thanks for all the support in helping us refinance our home in Paso Robles.

Response from Owner

Thank you so much! We love helping friends and families into their new homes!

“Meticulous to a fault, Zoe and Melissa get the process done with the FASTEST CLOSINGS I have ever had. I highly recommend Zoe to everyone I know.”

Zoe has handled multiple purchases/refinances for us, and they are absolutely the best! Meticulous to a fault, Zoe and Melissa get the process done with the FASTEST CLOSINGS I have ever had. I highly recommend Zoe to everyone I know and will only work with her for financing. I even worked with Zoe and Melissa on our recent move to Tampa, Florida, and they have handled the long-distance transaction as easily as if I were still local. For Zoe and her team, Cross Country is not just a name!

Response from Owner

Thank you so much for kind words. It's always a pleasure assisting local families. Even when they move out of state!

Rachel H.View on Google
“Zoe completely turned it around and showed us that getting a mortgage doesn't have to be stressful. They walked us through every step with amazing and prompt communication.”

My husband and I have had the best experience with Zoe and her team at Cross Country! Going from a very poor experience elsewhere, Zoe completely turned it around and showed us that getting a Mortage doesn’t have to be stressful. They walked us through every step with amazing and prompt communication. I would 10/10 recommend her team to anyone!

Response from Owner

Thank you so much for the kind comments! We love helping our clients into their homes and being a small part of your happy story!

Teresa M.View on Google
“Our loan terms were excellent and the process could not have gone more smoothly. I highly recommend her for anyone seeking a home mortgage in SLO County.”

Zoe Raithel and her team at CrossCounty Mortgage provided us with outstanding service as regards pre-qualifying and qualifying for a loan. She typically responded to email or phone messages within an hour and in fact, responded to a complicated question while on vacation waiting to board a flight! I found Zoe (and her assistant, Melissa) to be professional, organized, knowledgeable, and caring. Our loan terms were excellent and the process could not have gone more smoothly. I highly recommend her for anyone seeking a home mortgage in SLO County.

Response from Owner

Thank you so much June for the opportunity! We loved helping you into your new home and welcoming you to the beautiful Central Coast!

“Zoe and Melissa from Cross Country Mortgage made this refinancing experience an absolute breeze. They were efficient, thorough, answered all questions I had in a timely manner.”

I was putting off refinancing because I heard so many people complain about how much work it was. Zoe and Melissa from Cross Country Mortgage made this refinancing experience an absolute breeze. They were efficient, thorough, answered all questions I had in a timely manner. From start to finish we were done in just a couple weeks. Would recommend them to everyone!

Response from Owner

Thank you so much for the kind words! We truly appreciate the opportunity to assist.

Brittani W.View on Google
“First time homebuyers. Zoe and her team had everything handled and made one of the biggest decisions of our life together a stress free environment.”

First time homebuyers. Nervous going into the process as it is a big life decision, but was given clear directions throughout the process. At times we found ourselves asking if we were doing 'enough' and realized Zoe and her team had everything handled and made one of the biggest decisions of our life together a stress free environment.

Response from Owner

We're glad to hear that you had a stress-free experience as first-time homebuyers! I truly appreciate the trust and opportunity to assist! Thank you for taking the time to share the kind words! Wishing you many happy and healthy years in your new home!

“Definitely recommend Zoe and her team if you are looking for a reliable and efficient loan process. They will make sure to take care of everything for you!”

Zoe and her team were immediately on top of things as soon as my offer was accepted. The entire process was very seamless and she took care of things in an urgent matter and was very efficient with the time. This was especially important since I wanted to have adequate time for everything during the escrow period and she made it extremely easy for me. Definitely recommend Zoe and her team if you are looking for a reliable and efficient loan process. They will make sure to take care of everything for you!

Response from Owner

Thank you! Welcome Home!

“Zoe and Cindy with Envoy Mortgage made my experience of refinancing a pleasant one. They kept in touch with me every step of the way...”

Zoe and Cindy with Envoy Mortgage made my experience of refinancing a pleasant one. They kept in touch with me every step of the way, not only to expedite the process but also so I wasn't left wondering what the status was for my loan. Not only did they beat the quote I received from an online lending company, but I also received the benefit of local, personal service as well. They were friendly, courteous and professional. I would highly recommend them to anyone. Thank you!! -Don Dodds

Donald D.
“Everything went smoothly and Zoe was incredibly easy to work with. I appreciate the time she took to explain everything to me throughout the process.”

I was referred to Zoe by friends that had used her for their own refinance. Everything went smoothly and Zoe was incredibly easy to work with. I appreciate the time she took to explain everything to me throughout the process.

Samantha T.
“I have always been pleased with the professional service I have received. I asked for a few different scenarios to be run and Zoe returned them to me almost immediately.”

I have utilized Zoe and Envoy Mortgage's service a few times over the years for my mortgage loan needs. I have always been pleased with the professional service I have received. I asked for a few different scenarios to be run and Zoe returned them to me almost immediately. I found the new report format very user friendly and provided me with more information than I needed. The response time from Zoe and her team at Envoy is amazing, which is very important when dealing with a mortgage loan.

Donald D.
“We had a seamless process working with Zoe. This was my second time working with her and I had another great experience.”

We had a seamless process working with Zoe. This was my second time working with her and I had another great experience. Her team was always so prompt and on top of everything that needed to get completed along the way. She was always so quick to respond to our questions and was able to answer everything in a clear and concise way that we could understand. We could not be happier with our experience with her team at Cross Country Mortgage. I would definitely recommend her to anyone needing a top notch Mortgage Lender in San Luis Obispo County. Thanks for all the support in helping us land our dream home in Paso Robles.

Keith T.
“My situation was incredibly demanding and the timeline almost unrealistic but Zoe bent over backwards to make everything fall into place.”

I can not rave enough about Zoe Raithel at Envoy Mortgage. My situation was incredibly demanding and the timeline almost unrealistic but Zoe bent over backwards to make everything fall into place. Throughout the home search and loan process Zoe had creative solutions that fit exactly what we needed! I have had numerous experiences both with home purchases and refinancing and I can honestly say Zoe was top notch!

User9925233
“Zoe and her office team made our latest mortgage transaction with her (we are return clients) very easy and fast.”

Zoe and her office team made our latest mortgage transaction with her (we are return clients) very easy and fast. I enjoy the friendly, personal service we receive, and appreciate the high level of knowledge they display. I will only use Zoe for any future transactions and already recommend them to everyone needed this service.

Timothy H.
“Zoe and Cindy made what seemed like a daunting process move along quickly and smoothly. Zoe explained the steps of obtaining a home loan thoroughly”

Zoe and Cindy made what seemed like a daunting process move along quickly and smoothly. Zoe explained the steps of obtaining a home loan thoroughly and helped me set realistic expectations for home buying. Cindy helped me get all my information in order to complete the loan process. I had a great experience with this team and would highly recommend Zoe and Envoy Mortgage!

Kelly G.
“Zoe completely turned it around and showed us that getting a Mortage doesn’t have to be stressful.”

My husband and I have had the best experience with Zoe and her team at Cross Country! Going from a very poor experience elsewhere, Zoe completely turned it around and showed us that getting a Mortage doesn’t have to be stressful. They walked us through every step with amazing and prompt communication. I would 10/10 recommend her team to anyone!

Teresa M.
“Zoe is a rockstar! I was a first time home buyer and anxious about the process, but Zoe guided me through every step of the way.”

Zoe is a rockstar! I was a first time home buyer and anxious about the process, but Zoe guided me through every step of the way. Zoe was always available to answer every question I had and more than happy to help. I’ll definitely be referring her to all my friends and family. Thank you again Zoe Xo Justin Wilczynski

Justin W.
“Zoe and Laurie were some of the best loan advisors we worked with! ... they truly showed how working with your local community makes all the difference.”

Cross Country Mortgage Team, Zoe and Laurie, were some of the best loan advisors we worked with in comparison to ANY OTHER! Especially considering the fact that my fiancé and I were new to this home buying experience; they truly showed how working with your local community makes all the difference. Cheers!

Response from Owner

We love helping First Time Homebuyers! Thank you much for the kind words and opportunity to assist! We wish you many happy and healthy years in your new home!

John-Paul L.View on Google
“Zoe R. was terrific. We couldn’t have done it without her obviously. ... She did this by constantly keeping us in the loop, and communicating with us when we needed to talk.”

Zoe R. was terrific. We couldn’t have done it without her obviously. However we wounlt have felt confident and knowledgeable about each step of the process, from pre-approval and what we could afford, to the last steps of underwriting approval, if she hadn’t prepared us from the beginning to know what we needed, especially at each step of the way. She did this by constantly keeping us in the loop, and communicating with us when we needed to talk. Once again she was great!

Response from Owner

Thank you for the kind review! We absolutely love helping our local families find their way HOME!

Jeffrey M.View on Google
“They were constantly providing updates, suggestions and recommendations. ... Always looking for solutions and not walking away from the difficulties.”

Zoe and Melissa were always on top with it. They were constantly providing updates, suggestions and recommendations. Their professionalism did not overstep their friendliness or compassionate side. Always looking for solutions and not walking away from the difficulties. I will always choose their services and will look for opportunities to recommend them to others.

Response from Owner

We truly appreciate the opportunity to be of service to you and your family! Thank you!

Richard B.View on Google
“Zoe and her team were excellent to work with. Their communication was execptional which made the process very smooth.”

Zoe and her team were excellent to work with. Their communication was execptional which made the process very smooth.

Response from Owner

Thank you for the 5 star review! We love helping local families move into their next step home!

Daniel M.View on Google
“Working with Zoe was a pleasure. She and her staff kept me informed throughout the buying process and got me the best rate and payment as possible. I definitely recommend Zoe.”

Working with Zoe was a pleasure. She and her staff kept me informed throughout the buying process and got me the best rate and payment as possible. I definitely recommend Zoe.

Response from Owner

Thank you so much for the positive comments! It was truly a pleasure to assist and help you into your new home!

“As a first time homebuyer she made this the easiest and fastest process, it was all said and done before I knew it!”

After working for Zoe for a couple years I knew she was the one to get this done for me! I’ve always said if anyone can make it happen it’s Zoe! As a first time homebuyer she made this the easiest and fastest process, it was all said and done before I knew it! I greatly appreciate her and her team for getting me into my first home!

Response from Owner

I was so excited to be the one to help you with this big step! So proud of you as well! Wishing you many happy years in your new home!

Stephanie G.View on Google
“Zoe and Terri were amazing professionals who kept me informed each week and helped me thru all the steps to help close my loan.”

Zoe and Terri were amazing professionals who kept me informed each week and helped me thru all the steps to help close my loan. The nicest, kindest, most respectful people that I’ve met in Paso Robles. I would recommend them to anyone who is looking to refinance or purchase property. Zoe locked me into a great rate for my investment property and I look forward To doing business with them in the future, they are a great team ! Patty

Patricia H.
“They were awesome about keeping us informed! They got us closed EARLY!!! Which we really appreciate!!”

They were awesome about keeping us informed! They got us closed EARLY!!! Which we really appreciate!! They overall did a wonderful job! We are happy with our experience!

Mina T.