services

How we can work together

Whether you're buying your first home, selling your current one, or looking to refinance, I'm here to make the mortgage process as smooth and straightforward as possible. I believe that every client deserves personalized attention, honest guidance, and a clear path forward, no matter where you're starting from. When we work together, you can expect open communication, fast response times, and a plan built around your unique needs and goals.

Let's make homeownership feel less overwhelming and more empowering.

For buyers

The Keys to Your New Home Start Here

Buying a home is one of the biggest financial decisions you'll ever make but it doesn’t have to be stressful. I’ll walk you through the loan process from start to finish, answering your questions, explaining your options, and helping you find a mortgage that fits your budget and long-term plans. Whether you're a first-time buyer or upgrading to your forever home, I’m here to help you feel confident and supported every step of the way.

  • Know what you can afford before you start house hunting with a fast and accurate pre-approval process.

  • I’ll help you evaluate all your options—FHA, VA, Conventional, and more—so you can choose what works best for your needs.

  • From first-time buyer programs to low-down-payment loans, I’ll walk you through what’s available and how to plan ahead.

  • I’ll break down the numbers, explain key deadlines, and make sure there are no surprises along the way.

What I help with:
I'm ready to buy 
For Sellers

Selling Smart, Planning What’s Next

If you're selling a home, you may also be preparing to buy your next one. I can help you navigate both sides of the equation, strategically timing your sale and purchase, aligning your finances, and making sure you're in the best possible position for your next chapter. Even if you're just exploring what's next, I’m happy to walk through the options.

  • Get a head start on your next purchase while your current home is still on the market.

  • I’ll help align your sale and purchase dates to avoid double moves or unnecessary stress.

  • If you need flexibility between transactions, we’ll explore options to buy before you sell.

  • Understand how much you’ll walk away with and what that means for your next step.

What I help with:
I'm ready to sell 
REfinancing

Your Mortgage, Reimagined for What’s Next

Refinancing can be a powerful tool… whether you're looking to lower your monthly payments, tap into equity, or pay off your loan faster. I’ll help you evaluate your current mortgage, run the numbers, and determine if refinancing makes sense for your goals. No pressure, just honest guidance.

  • Reduce your monthly payment or pay off your loan faster by adjusting your rate or term.

  • Use your home’s equity to fund renovations, pay off high-interest debt, or invest in future goals.

  • Roll high-interest debts into one manageable monthly payment with a better rate.

  • Maximize returns by refinancing your rental or vacation property with favorable terms.

What I help with:
I'm ready to refinance

READY?

Let’s grab coffee and talk house!

Let's Talk

  • "Rachel is the perfect guide for girst-time buyers

    As first-time buyers, we were quite nervous and had a lot of questions. Rachel was so patient with us, guiding us through the entire process. She helped us find a beautiful home in a neighborhood we love. What really sets her apart is her personal touch. She made the entire experience enjoyable and stress-free. We can't thank her enough!”

    -LUCY & SMITH

  • "Rachel knows Sonoma inside and out!

    We had to move to Sonoma due to my job transfer, and we didn't know anything about the city. But Rachel made our transition so smooth. She introduced us to various neighborhoods and helped us find a home that was a perfect fit for our family. Her local knowledge and passion for Sonoma are remarkable. We highly recommend her services!”

    -DANNY & KIM

  • "The best realtor in Sonoma!

    I had to sell my home, and I was very apprehensive about the process. But from the moment I met Rachel, I knew I was in good hands. She assessed my property, made valuable suggestions for staging, and had a clear strategy for marketing. She negotiated a great price for my home and was there every step of the way. Her professionalism, dedication, and friendly approach are truly outstanding!”

    -BRIAN WARREN