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Based on 795 star reviews
Based on 796 reviews
Zoe and her team were excellent to work with. Their communication was execptional which made the process very smooth.
Response from Owner
Thank you for the 5 star review! We love helping local families move into their next step home!
Response from Owner
Thank you for the 5 star review!! We loved helping you!
Working with Zoe was a pleasure. She and her staff kept me informed throughout the buying process and got me the best rate and payment as possible. I definitely recommend Zoe.
Response from Owner
Thank you so much for the positive comments! It was truly a pleasure to assist and help you into your new home!
After working for Zoe for a couple years I knew she was the one to get this done for me! I’ve always said if anyone can make it happen it’s Zoe! As a first time homebuyer she made this the easiest and fastest process, it was all said and done before I knew it! I greatly appreciate her and her team for getting me into my first home!
Response from Owner
I was so excited to be the one to help you with this big step! So proud of you as well! Wishing you many happy years in your new home!
I am not the easiest to work with and they still did the job with kindness and grace
The process of buying my first home with Zoe and her team was very smooth, they were quick with answering my questions, well at explaining all the steps, and I felt very comfortable.
Prompt responses, friendly, helpful team
Wonderful lender and a local to Paso Robles. I recommend my clients to Zoe!!!
Response from Owner
Thank you so much for the review! Love working together and helping our local buyers with their home finance needs!
Great, responsive service. Zoe and team were amazingly responsive.
They were great to work with, punctual with deadlines and loan management.
Zoe and her team at Certainty Home Lending were so helpful. Professional and great communication. I highly recommend Zoe and her team for all your home lending needs. We will definitely use them again. Thank you❤️
Response from Owner
Thank you so much for the kind words! We appreciate the opportunity to assist!
Zoe Raithel did an outstanding job representing my buyers on a recent home purchase in Paso Robles. Her communication was truly above and beyond — clear, consistent, and proactive every step of the way, which made the entire transaction smooth and stress-free. She stayed on top of every detail and we even closed escrow early, which is a rare and impressive feat. As a realtor, I work with many lenders, and Zoe is hands down the best. I highly recommend her to anyone looking for a reliable, responsive, and knowledgeable home loan lender. I look forward to working with her again soon!
Response from Owner
Thank you so much for the kind words! It was truly a pleasure working with you on this transaction. I really appreciate your trust and collaboration—great teamwork always makes a difference, and closing early was a huge win for everyone involved. I’m grateful for the opportunity to support your buyers and help make the process smooth and stress-free. I look forward to many more successful transactions together!
First time homebuyers. Nervous going into the process as it is a big life decision, but was given clear directions throughout the process. At times we found ourselves asking if we were doing 'enough' and realized Zoe and her team had everything handled and made one of the biggest decisions of our life together a stress free environment.
Response from Owner
We're glad to hear that you had a stress-free experience as first-time homebuyers! I truly appreciate the trust and opportunity to assist! Thank you for taking the time to share the kind words! Wishing you many happy and healthy years in your new home!
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Zoe was a great help in our loan process, and we closed our escrow on time as planned. Thanks zoe.
Most everything was easy to deal with! Liked being able to sign documents online as opposed to going into the office each time.
Organational management, communication, process ease, customer based support, honesty and no hidden surprises.
Zoe is very kind and informative.
Zoe was very responsive to our questions and kept us aware of the process.
You’re doing great job ,keep it up!ðŸ‘ðŸ»
She is very professional and efficient.
Great experience,great work, thanks so much!
I was really happy with how responsive Zoe and her team were throughout my loan application process. Zoe was also really patient with me, answering all of my questions as a first-time home buyer.
Zoe and Terri were amazing professionals who kept me informed each week and helped me thru all the steps to help close my loan. The nicest, kindest, most respectful people that I’ve met in Paso Robles. I would recommend them to anyone who is looking to refinance or purchase property. Zoe locked me into a great rate for my investment property and I look forward To doing business with them in the future, they are a great team ! Patty
Constant communication, good information, timely transmission of documents back and forth. And a friendly team.
Zoe was great. Very knowledgeable and very willing to answer our questions. Thank you.
Knowledgeable staff, excellent communication, detail oriented and very friendly.
It was nice the amount of contact through email and phone calls to keep me feeling confident about what we were talking about but also who we were talking too.
For being a first time buyer we were a little intimidated by the whole buying a home experience , but Zoe and her team does feel very comfortable communicating with us by all the things that we needed to have to Purchase our home. they went above and beyond to make us feel comfortable and make this whole experience something we will never forget ! Thank you
The communication throughout the entire purpose hashing process.
Zoe was very non judgmental, considerate and a great listener. She gave us options to choose from and explained everything in detail. We were able to bounce ideas off her and she gave us honest advice. We would definitely trust her to refinance again when the time comes. My husband and I were very anxious regarding the thought of refinancing but after the first meeting with Zoe we were just excited about our options. Thank you Envoy and thank you Zoe!
Zoe and cindy are great They are so helpful and friendly
Thank you Zoe super helpful with everything transactions all went smooth great place for the definitely recommend to all my friends and family
All of the team was very responsive and helpful. I enjoyed working with them.
Both Zoe and Cindy were very helpful and very patient with our questions. If we left messages our calls were returned quickly. Also, both were very friendly.
Amazing, friendly service. The whole process was quick and easy! Highly recommended Zoe, her team and Envoy!
They were awesome about keeping us informed! They got us closed EARLY!!! Which we really appreciate!! They overall did a wonderful job! We are happy with our experience!
Coming from two individuals new to this process. She was very informative and answered all our questions and concerns with ease! 😊
From the start of my refinancing the communication is wonderful. It’s like they are holding your hand even when you don’t even see them personally. The communication petered out slightly at the end, but I would highly recommend envoy mortgage for your loan needs.
Zoe made everything just easy. From the moment we walked in, answered all our questions and showed us scenarios with different interest rates which helped us make our decision easy. Always responded to emails in timely matter. Overall it was a smooth transition.
made the process simple
I was referred to Zoe from another Envoy office that did a great job on another refi. Zoe kept the good vibes going by being prompt, on point, and managing a great team. Thank you!
Zoe helped make everything easier. She was always willing to answer any questions we had.
As first-time home buyers we had a ton of questions, and Zoe was super helpful and patient guiding us through the loan process and making sure we felt comfortable along the way. We couldn't have done it without her, and will be recommending her to friends and family.
We were kept up to date every step of the way. Zoe just handled it-the process was easy on our end!
Zoe and Cindy with Envoy Mortgage made my experience of refinancing a pleasant one. They kept in touch with me every step of the way, not only to expedite the process but also so I wasn't left wondering what the status was for my loan. Not only did they beat the quote I received from an online lending company, but I also received the benefit of local, personal service as well. They were friendly, courteous and professional. I would highly recommend them to anyone. Thank you!! -Don Dodds
Zoe provided my wife and I with an easy and very smooth loan experience, and one that closed very quickly after we finally found the house that we were looking for. She was extremely competent and personable throughout the entire loan process, from prequalification to closing. We have only good things to say about Zoe! Thank you again.
Very responsive. Willing to work with us with such a short turn-around time. Answered any questions we had promptly. Thanks Zoe!