Today · 9 AM – 5 PM
Office hours
Based on 84 star reviews
Based on 100 reviews
Ratings include all 100 reviews. Reviews collected directly from clients are shown only with their permission.
We had a great experience working with Rachel! She’s incredibly knowledgeable, got our loan closed quickly, and made the entire process smooth and stress-free. Rachel knows the mortgage business inside & out, and we couldn’t have asked for a better experience. I highly recommend her to anyone looking for an efficient and reliable mortgage lender!
We closed in 15 business days
Rachel has been amazing through the whole process from start to finish. She was able to meet with me in person and go step by step through the process, answer all questions and concerns, and was available by phone, text, and in person. She is an asset to this business. I have already spread the word of this amazing business, their staff, and have referred a co-worker to this business.
Rachel was awesome to work with! She was very helpful and thorough in explaining every aspect of our loan and walked us through it all. She was kind and understanding, thank you again RATE team for all your support and help throughout our new home buying journey, you’re amazing!
Response from Owner
Thank you so much for your kind words! It was truly a pleasure being part of your home buying journey. I’m so glad I could help make the loan process clear and smooth for you every step of the way. Buying a new home is such an exciting milestone, and I’m grateful you trusted me and the RATE team to support you through it. Wishing you all the best as you settle into your new home!
No written review
Rachel Osbon with Rate is AMAZING! We honestly thought we would never be able to buy a house but she found a way to make it possible for us. She went above and beyond in more ways than one and she gave us the ability to stay in the home we’ve brought all our babies home from the hospital to!
Response from Owner
We are beyond thrilled your family gets to stay in your home Shanley! You worked so hard with us through your process and made it possible for your family! We appreciate your trust in us.
All the officers were helpful, clear, and quick to respond.
Rachel and her team were wonderful to work with. Quick to answer any questions. Very pleasant experience.
Response from Owner
Thank you Fred and congrats on your new purchase!
Rachel Osbon and her assistant Kym have worked with mutiple of my Buyers in getting into their new homes and all of them have adored them! They are amazing at keeping me and my Buyers informed through out the process and making sure everything goes as smoothly as possible. I have seen them go to bat for my Buyers and get us moving forward when there was an obstacle. As an agent I am so thankful I have them to work with because I know they will take care of my Buyers and keep their best interest first!
Response from Owner
Its always a pleasure working with you and your clients Makayla. We all have the same goal, making happy homeowners!
Rachel was very professional and personable. We hadn’t bought a house for 42 years and she had lots of explaining to do but she did it with grace and patience.
Response from Owner
Appreciate your trust in Rachel and the team Sheryl!
Working with Rachel Osbon at Guaranteed Rate was an absolute breeze! From the very first step, her response time was incredible—she was always quick to answer my questions and kept everything moving forward without a hitch.What really stood out was her genuine excitement for me throughout the process; it felt like I had a true partner in my corner rather than just a loan officer. If you want someone who is professional, lightning-fast, and truly cares about your milestone, I cannot recommend Rachel enough!
Response from Owner
Thank you so much for your kind words! It was truly a pleasure helping you through the process, and I’m so grateful you took the time to share your experience. Buying a home is such an important milestone, and I’m always honored to be part of that journey. I’m so glad you felt supported and well cared for every step of the way. My goal is always to make the process as smooth, timely, and stress-free as possible. Congratulations again, and thank you for trusting me with such an exciting chapter!
No written review
They made every step of the process easy, we fully trust their guidance and they closed the transaction well ahead of the initial estimate.
No written review
My lending agent and her whole team were very helpful and they were clear in their communication. The whole process was very easy. I really liked being able to keep track of everything on the app, too!
⭐⭐⭐⭐⭐ Working with Rachel and her team was an absolute pleasure from start to finish. As someone who can find the mortgage process overwhelming, having her in my corner made all the difference. She took the time to explain everything clearly, never leaving me guessing about what was happening or why — and she was always responsive whenever I had questions. Not only did she make the whole experience stress-free, but she also came through with a fantastic rate. It was clear she genuinely cared about getting the best outcome for me, not just closing a deal. She went above and beyond in ways I didn't even expect. If you're looking for a mortgage broker who is knowledgeable, communicative, and truly has your best interests at heart, I can't recommend Rachel enough. She's the real deal!
Rachel and Kym are some of the best! Whether working deals for our mutual clients or for personal, they are always professional and have top notch communication. Highly recommend!
Response from Owner
Thank you so much for your kind words and recommendation! It’s always a pleasure working together, and I truly appreciate the trust you place in Kym and I with your clients. We both value strong communication, professionalism, and doing everything we can to help each transaction go as smoothly as possible. It means a lot coming from a partner we enjoy working with so often. Looking forward to many more successful closings together!
Rachel and her team at Rate are not only my “go to” they are my ONLY recommendations for my clients. Some how they are able to make every transaction feel like it is their priority.
Response from Owner
Thank you Jenna. We always love working with your clients! Together we have made many happy VA, FHA, and even clients closing with almost nothing out of pocket!
I can’t even begin to say enough good things about Rachel and her team, when I thought it was hopeless and was ready to give up Rachel worked all night and made sure it would work for us, she overcame every obstacle she was faced with and was there for us every step of the way
Response from Owner
Dawn, it certainly was a roller coaster but we are thankful you worked hard with us to get your new home in Coos Bay! Congratulations to your and your family!
Rachel was a dream to work with on our first home purchase! She made the process very smooth and easy to follow. She always answered our questions clearly, and in a timely manner. Rachel also went to bat for us - locking in a great rate! We are so thrilled to be home owners now, and we will gladly work with Rachel for our next purchase.
Rachel is amazing to work with! She is very knowledgeable, responsive, proactive, and has an matched work ethic! We weren't even planning on buying a home for a while, so hadn't bothered to get pre-approved, but our dream property came on the market. We got our info to her, and she got us an approval within a day! Did I mention it was Valentine's weekend? Her hard work is part of what helped us win, in a multiple-offer situation!
Response from Owner
Wow, what a review & what an awesome property you have now! Thank you Natosha for allowing us to be part of your families home buying process!
Rachel was great to work with! Efficient, knowledgeable, very pleasant.
Response from Owner
We love repeat clients Gail & you are always such a dream to work with. Thank you for trusting us with your home purchases.
Rachel and Kym are the absolute BEST in the industry! The pre-approval process at RATE is not a hard inquiry for prospective buyers. Your credit score matters. If your budget doesn't yet meet loan requirements, they can build you a personalized plan to make your home ownership dreams a true reality. Give them a call today, you will not be disappointed!
Rachel is great to work with. Makes the process easy.
Rachel was very informative and helped us through the whole process. She explained everything clearly and was very supportive. She made the process easy!
Response from Owner
Thank you Ashley! I am so happy that you got your dream home!
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 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.
Response from Owner
We couldn’t be more thrilled to have been part of the your families process! Congratulations on your new purchase!
Because I’m a REALTOR® and also just purchased my first duplex. I always recommend Rate to my friends and clients.
Rachel and the Osbon Team went above and beyond, each step of the process. They anticipated needs and possible speed bumps that could hold up the process, which made the process extremely efficient.
Very very helpful I thought I wouldn't be able to buy but she found a way to do it. Highly highly recommend Rate Amber
Rachel Osborn was outstanding every step of the way. Honest and very pro active. She really cares. Her team was good.
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.
Response from Owner
You made the process so easy Sarah! We appreciate you placing your trust in our team!
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.
Response from Owner
We are ecstatic that you shared these kind words. We take pride in the way we care for each client and their purchase. Congratulations on your purchase and we hope you've been enjoying your new home.
Rachel was easy to work with as well as her team. Thank you, I am a satisfied customer.
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 her. Thank you Rachel and Kym for helping me get my investment portfolio started!
Response from Owner
Congrats on your purchase Mariss & Franklin!
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 her. Thank you Rachel and Kym for helping me get my investment portfolio started!
They are very friendly, knowledgeable, and worked hard to help me resolve a minor issue and get the loan process completed. I now have the home on the Oregon coast that I have always wanted.
Response from Owner
Thank you Jack and welcome to the Oregon Coast! We know you will love it as much as we do.
Rachel and het team are very friendly, knowledgeable and worked hard to help me resolve a minor issue and get the loan process completed. I now have a home on the Oregon coast that I have always wanted.
They are very friendly, knowledgeable, and worked hard to help me resolve a minor issue and get the loan process completed. I now have the home on the Oregon coast that I have always wanted.
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
Response from Owner
Thank you for your kind words Stephanie! We love working with clients like you!
Rachel and Kym were very responsive, informative and pleasant to work with.
We had a great experience using great Rachel Osbon made everything easy and worry free they come highly recommended in my book!
WOW!!!! EARLY TO CLOSE!!! Thanks to Rachel Osbon, Kym and the Rate Team!!! April and I, Couldn't be happier to move into our home. Was Fast and Easy!!!! THANK YOU RACHEL @ RATE TEAM ☆☆☆☆☆
Response from Owner
We love an early closing too Hoyet! Glad our service exceeded your expectations.
No written review
Rachel was awesome and we couldn’t be happier with our experience!
Because of Rachel Osbon
They were great and responsive
Rachel helped me a get a loan for my first house! She graciously to walk me through all the steps (more than once) until I felt comfortable. She did a stellar job during the entire process. Rachel was recommended to me by a friend and boy am I thankful for that. She is down to earth, funny and has become a friend! I highly would suggest Rachel Osborn.
Wonderful to work with very helpful made the process run smoothly thankyou you guys for making our home buying come true your the best
As an realtor I have worked with Rachael for years and would not have considered anyone else