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) 623-4763 for more information!

Zoe Raithel at Certainty Home Lending (NMLS #894102)

Paso Robles

<footer class="certainty-footer-container">
      <div class="certainty-footer-container--inner">
        <div class="certainty-social-container">
          <div class="certainty-social-links">
            <a href="https://www.facebook.com/certaintyhomelending" aria-label="Facebook">
              <i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-facebook" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i>
            </a>
            <a href="https://x.com/certaintyloans" aria-label="X social media platform">
              <i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-twitter" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i>
            </a>
            <a href="https://www.instagram.com/certaintyhomelending" aria-label="Instagram">
              <i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-instagram" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i>
            </a>
            <a href="https://www.youtube.com/channel/UC71n7qB08iK-YHCbvtX5mLA" aria-label="Youtube">
              <i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-youtube" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i>
            </a>
            <a href="https://www.linkedin.com/company/certaintyhomelending" aria-label="LinkedIn">
              <i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-linkedin" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i>
            </a>
          </div>
        </div>
        <div class="certainty-links-container">
          <ul class="certainty-column certainty-logo">
            <li>
              <a href="https://www.certaintyhomelending.com/">
                <img src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte5f38d9d59eada41/65f229c10c744d47707bfeec/certainty-home-lending-logo.png" alt="Certainty Home Lending" width="204" height="99" />
              </a>
            </li>
          </ul>
          <ul class="certainty-column" aria-label="Your Mortgage">
            <h4>YOUR MORTGAGE</h4>
            <li><a class="certainty-bodyS" href="https://apply.certaintyhomelending.com/">Apply now</a></li>
            <li><a class="certainty-bodyS" href="https://login.certaintyhomelending.com">Sign in to your account</a></li>
          </ul>
          <ul class="certainty-column" aria-label="Lending Options">
            <h4>LENDING OPTIONS</h4>
            <li><a class="certainty-bodyS" href="/purchasing-a-home/">Purchase a home</a></li>
            <li><a class="certainty-bodyS" href="/refinancing-a-loan/">Refinance a loan</a></li>
            <li><a class="certainty-bodyS" href="/purchasing-a-home/home-renovation-loan/">Renovate your home</a></li>
            <li><a class="certainty-bodyS" href="/heloc/">Home equity line of credit (HELOC)</a></li>
            <li><a class="certainty-bodyS" href="/learning-center/calculator/">Mortgage calculator</a></li>
            <li><a class="certainty-bodyS" href="/find-your-loan-officer/">Find a loan officer</a></li>
            <li><a class="certainty-bodyS" href="/contact-us/">Branches near you</a></li>
            <li><a class="certainty-bodyS" href="/learning-center/">Resources</a></li>
            <li><a class="certainty-bodyS" href="/same-day-mortgage/" id="cdq_element_4" style="display: inline-block; margin-top: 0px; margin-bottom: 0px; padding-top: 0px; padding-bottom: 0px;">Same Day Mortgage</a></li>
          </ul>
          <ul class="certainty-column" aria-label="Company">
            <h4>COMPANY</h4>
            <li><a class="certainty-bodyS" href="/about-us/">About us</a></li>
            <li><a class="certainty-bodyS" href="/community-conection/">Community Connection</a></li>
            <li><a class="certainty-bodyS" href="/transparency-in-coverage/">Transparency in Coverage</a></li>
            <li><a class="certainty-bodyS" href="/learning-center/insights/industry-news/">Newsroom</a></li>
            <li><a class="certainty-bodyS" href="/contact-us/">Contact us</a></li>
            <li><a class="certainty-bodyS" href="/careers/">Careers</a></li>
          </ul>
          <ul class="certainty-column" aria-label="Legal">
            <h4>LEGAL</h4>
            <li><a class="certainty-bodyS" href="/accessibility/">Accessibility</a></li>
            <li><a class="certainty-bodyS" href="/privacy-center/">Privacy Policies</a></li>
            <li><a class="certainty-bodyS" href="/licensing/">Licensing</a></li>
            <li><a class="certainty-bodyS" href="/terms-of-use/">Terms of Use</a></li>
            <li><a class="certainty-bodyS" href="/sms-terms/">SMS Terms</a></li>
            <li><a class="certainty-bodyS" href="/notice-to-vendors/">Notice to Vendors</a></li>
            <li><a class="certainty-bodyS" href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611">NMLS Consumer Access</a></li>
          </ul>
        </div>
        <ul class="certainty-links-container certainty-links-container--mobile">
          <li><a class="certainty-bodyS" href="/about-us/">About Certainty</a></li>
          <li><a class="certainty-bodyS" href="/find-your-loan-officer/">Find your loan officer</a></li>
          <li><a class="certainty-bodyS" href="/purchasing-a-home/">Purchase a home</a></li>
          <li><a class="certainty-bodyS" href="/refinancing-a-loan/">Refinance a loan</a></li>
          <li><a class="certainty-bodyS" href="/renovate-a-home/">Renovate your home</a></li>
          <li><a class="certainty-bodyS" href="/careers/">Careers</a></li>
          <li><a class="certainty-bodyS" href="/sitemap/">Sitemap</a></li>
          <li><a class="certainty-bodyS" href="/contact-us/">Contact us</a></li>
        </ul>
        <div class="certainty-social-container--mobile">
          <div class="certainty-social-links">
            <a href="https://www.facebook.com/certaintyhomelending" aria-label="Facebook"><i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-facebook" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i></a>
            <a href="https://x.com/certaintyloans" aria-label="X social media platform"><i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-twitter" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i></a>
            <a href="https://www.instagram.com/certaintyhomelending" aria-label="Instagram"><i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-instagram" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i></a>
            <a href="https://www.youtube.com/channel/UC71n7qB08iK-YHCbvtX5mLA" aria-label="Youtube"><i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-youtube" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i></a>
            <a href="https://www.linkedin.com/company/certaintyhomelending" aria-label="LinkedIn"><i data-testid="font-icon" class="certainty-rc-font-icon rc-font-icon font-icons-social-linkedin" aria-hidden="true" style="font-size: 1.25rem" data-reactroot=""></i></a>
          </div>
        </div>      
        <div class="certainty-copyright-container">
          <div class="certainty-copyright-container--images">
            <img class="certainty-badge" src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blt46013f5cd7fc82e1/65f231bd0c744d4a387bff24/equal-housing-lender.png" alt="Equal Housing Lender" width="46" height="47" />
            <img class="certainty-badge" src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/bltb28dc8aa02b7886c/65f231bd54369a7b51693a3a/AB-seal-horz.svg" alt="Better Business Bureau Accredidation" width="134" height="47" />
            <img class="certainty-badge" src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blt0385c73657cafa3c/65f2323d0780b95bca61c06a/trustspot.png" alt="Trustspot Verified" width="101" height="47" />
          </div>
          <p>
            <a class="certainty-link" href="https://privacyportal.onetrust.com/webform/168096e5-faa8-4fdd-a479-992231adbdc1/9815a17a-8663-4622-9062-7d2e18e2040d" target="_blank">Do Not Sell or Share My Personal Information and/or Limit the Use of My Sensitive Personal Information</a>
          </p>
          <p>
            <a class="certainty-link" href="/tx-consumers/" target="_blank">Texas Consumers: How to file a complaint</a>
          </p>
          <p>
            <address>Guaranteed Rate, Inc. DBA Certainty Home Lending, NMLS 2611. For licensing information, go to: <a class="certainty-link" href="https://www.nmlsconsumeraccess.org" target="_blank">www.nmlsconsumeraccess.org</a></address>
          </p>
          <p>
            Headquarters: 3940 N. Ravenswood Ave. Chicago, IL 60613 - ph. (844) 615-2955
          </p>
          <p>
            <em>This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.</em>
          </p>
          <p>
            <em>This is not a commitment to lend. Program restrictions apply. Certainty Home Lending’s policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law.</em>
          </p>
          <p class="certainty-bodyXS">
            © 2026 Guaranteed Rate, Inc. DBA Certainty Home Lending. All Rights Reserved.
          </p>
        </div>
      </div>
    </footer>

1 Loan Officer Paso Robles, CA