Rachel Osbon at Rate (NMLS #674065)

Rachel and Kym were both outstanding in every way. From the first contact, they were there for us anytime we had questions or requests. Rachel gave Kym to us to handle most of the particulars and she is amazing. I have bought and sold 13 houses in three states and Rate is in the top two Mortgage lenders I’ve ever worked with. Our family had a unique situation which they accommodated beautifully and kept in communication at every step. They worked hard to move things along quickly for us. Frankly, they made a miracle happen when we couldn’t even imagine qualifying for this particular purchase. We are still pinching ourselves that we will have this dream come true for our family members. You must reach out to them. They are superior.

Rachel Osbon was an exceptional mortgage broker to work with. She was knowledgeable, responsive, and incredibly patient throughout the entire process. Rachel took the time to explain each step clearly, answered all of my questions promptly, and made what could have been a stressful experience feel smooth and manageable. Her professionalism, attention to detail, and genuine care for her clients truly set her apart. I felt well-informed and supported from start to finish. I highly recommend Rachel Osbon to anyone looking for a trustworthy, efficient, and dedicated mortgage broker.

I am a local REALTOR® in Coos County which means I am self employed. I do not qualify for traditional financing as you would with your taxes if you work for an employer. I had the cash for a 20% down payment + closing costs, credit score, perfect DTI, etc. - just needed someone to believe in me and give me financing for the rest! Rachel knew exactly what to do. The products that her mortgage company has to offer allows for so many options beyond traditional financing. So if you're self employed and feeling like you won't qualify, reach out to Rachel! Regardless what kind of home loan you are searching for, Rachel should be the first person you talk to. We were even able to close a week early! I recommend her to everyone and the majority of my clients use her. And those that use her, love

Rate is the BEST!!! Everyone I worked with was efficient, kind, responsive, and always made sure I was informed. Rachel was there for me every step of the way, and she made me feel like I was part of every decision. The team at rate helped me achieve a dream I never thought possible and now I have completed a home purchase with their help! I can’t recommend them enough! Superb mortgage team! 100/10

I would highly recommend Rate. Rachel and her team worked tirelessly to close our refinance before the end of the year. And they did, with time to spare! Rachel anticipated our needs throughout the process. Her extensive experience in the industry is priceless.