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Zoe Raithel

Zoe Raithel

Premier Loan Originator, NMLS: 894102 - Licensed in: CA

About Zoe Raithel

Zoe Raithel has been recognized as one of the top mortgage lenders in Paso Robles, CA. Often introduced as the “hardest working woman in mortgage,” Zoe brings more than 15 years of experience to the Envoy Mortgage team. Her dedication to best in class service is evident with her client feedback. She prides herself on a philosophy of providing the convenience and low rates of an online lender with the AAA service of a local professional:

AAA= AVAILABLE, easy to contact by voice, text or email; APPROACHABLE, feel comfortable when applying and throughout the process; ACCOUNTABLE, Zoe and her team always see your loan gets full attention and closes on time. Zoe is a true professional who takes the time to educate herself so she can provide honest and accurate answers to the tough questions. While the lending environment has changed significantly over the last few years and continues to be challenging, Zoe’s positive energy and can-do attitude stands out and is contagious. A majority of her business is generated through referrals and repeat clients.

Zoe has called the Central Coast her home since 1999, when she moved from the San Francisco Bay Area to raise her three daughters and be closer to family. She has been married to Kirk for 29 years and in her free time loves watching San Francisco Giants baseball, attending local summer concerts in the park, touring the back roads of Paso Robles wine tasting and enjoying the beautiful beaches and hiking trails the area has to offer.

Zoe holds a Bachelor of Science in Business Administration from California State University, Stanislaus and is active in local charities, Chamber of Commerce and Board of Realtors.

“As a dedicated mortgage professional, my purpose is to fulfill your dreams of homeownership. Our company doesn’t simply offer some of the most competitive rates in the mortgage industry; we provide impeccable service from start to close. As an Envoy Loan Originator, I’m committed to delivering each borrower a hassle-free mortgage experience by providing breakthrough technology, transparent communication, unparalleled turn-times and, most importantly, around the clock attention to your loan. The home buying process can seem challenging, but having the right people and resources by your side can make all the difference.”

Contact Zoe today and experience the difference!



Average rating based on 225 reviews

Our Business

Envoy has been successful for over 20 years because of its people, systems and technology.

The most important asset, however, is its people. We at Envoy understand the importance of providing great customer service, demonstrated by our strong customer satisfaction rating of nearly 4.9 out of 5. Since 1997, we have continued to exceed borrower expectations through exceptional customer service and dedication to helping you finance your dream home. Licensed in 49 states across the U.S., our branches offer a full menu of loan products, knowledge, and expertise for all areas of the residential mortgage lending industry.

Our Customers

We strive to do our best and be our best for one reason – you.

Our goal is to help you finance your dream home and ensure that you have a seamless, smooth mortgage experience. With the availability of hundreds of mortgage loan programs and lenders to choose from, the process of financing a home can seem complex. We are well equipped to guide you through some of the most comprehensive financing available today and are working around-the-clock to make sure we meet your needs. Your peace of mind during the loan process is our priority.