Getting a mortgage can be a frustrating process... shopping for a low rate, dealing with mounds of paperwork, hoping you can get someone on the phone or walk into a local office where's there's someone to help ... I can solve all that.


My philosophy for the past 20+ years has been to provide the convenience and low rates of an online lender with the A++ service of a local professional mortgage advisor. You can always count on me to be Approachable, Available and Accountable.


Whether it's your first time buying a home or you are a seasoned investor, I take the time to understand your needs, review options and share strategies to help you accomplish your goals. When you work with me, I will help you get the most home for your money and help you be in the best position when making an offer. I am an expert at unique situations and happy to answer questions with no obligation and no pressure.


As part of the Paso Robles community for more than 25 years, I have deep admiration for our wonderful quality of life. My husband, Kirk and I raised our 3 daughters here and enjoy spending our "empty nester time" in the great outdoors at music and sports events as well as taking long coastal hikes and winery tours.


Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

VP of Mortgage Lending

Zoe Raithel is your Paso Robles local lender. As a loan officer at Certainty Home Lending, Zoe is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Zoe at (805) 400-8585 for more information!

Zoe Raithel at Certainty Home Lending (NMLS #894102)

Paso Robles

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1 Loan Officer Paso Robles, CA