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My niche for the past 15 years as a loan professional is figuring out how my client's specific needs fit with lender guidelines so that we can efficiently close your purchase or refinance your loan. As a self-proclaimed "guidelines geek," I spend a lot of time educating myself to interpret and understand loan guidelines. I find that this sets me apart in my industry because interpretation is everything when it comes to maneuvering through a challenging loan. To me, a client is as unique as a fingerprint; each scenario is different and should be treated that way.My family has been in the Arizona mortgage industry since 1979, so you could say I grew up in the business. Some of my earliest memories were spending weekends in my mother's office while she worked on mortgage loans. Some may argue that my very first word was "loan." I learned early on the importance of hard work and integrity. It was that exposure to the industry and my ability to reinvent myself with the ever-changing market that made me the loan professional that I am today.
When I am not working on loans, I enjoy spending time with family and friends. I am passionate about traveling and my love for delicious food! You can find me around town at my favorite local eateries, I love to support local businesses. My husband, Ehren, and I have been married for over thirteen years and have two great kids, Alexis and Owen. Alexis loves animals and playing soccer. Owen loves to play musical instruments, and we enjoy running together.
I have built a team dedicated to providing you with a loan experience that is specifically designed to meet your needs. Our dynamic, experienced team of loan professionals will help guide you through the loan process. Whether you need to close on your home quickly or just need some market advice, we are confident that we are the right team for you!
Shannon Williams is Rachel’s Loan Officer Assistant. Thanks to seven years of experience working as a loan processor, Shannon has an in-depth knowledge of the loan process and is well equipped to provide quick answers to all your mortgage questions.
Brandi Paucek is a Loan Officer and the team’s Transaction Coordinator. She serves as a liaison between clients, realtors, and the team to help keep each transaction on track.
Randi Little is the team’s Loan Processor. Thanks to her banking experience and superior organizational skills, she knows how to thoroughly prepare your loan application for underwriting to help ensure a successful and timely closing.
Angelika Munger, Marketing Coordinator, helps keep the entire team in sync through her top-notch bookkeeping and clerical skills.
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Private Mortgage Insurance typically costs between 0.5% to 1% of the entire loan amount over 80% LTV on an annual basis.