Work with a trusted mortgage loan officer for pre-approval, purchase, and refinance strategy across Texas, Louisiana, and Florida.
Securing a home shouldn't feel like a transaction. It should feel like a strategic partnership. With over a decade of mortgage lending experience and support for buyers across Texas, Louisiana, and Florida, I provide clarity where there is complexity, and elegance where there is typically friction.
Whether you are purchasing your first home, acquiring an investment property, or securing a high-value jumbo loan, my team operates with discretion, speed, and uncompromising standards.
Compare FHA, VA, USDA, conventional, jumbo, refinance, and specialty home loan options across TX, LA, and FL with clear qualification guidance.
Primary, secondary, and investment options with down payments from 3% to 10%, FICO starting at 620, and DTI flexibility up to 45% to 50%.
View Program
P&I only — taxes, insurance, and HOA not included in this estimate.
Est. Monthly Payment (P&I)
/month principal & interest
Get detailed breakdown, rates, terms, and start pre-approval.
Real closing-day moments and verified Google reviews from clients who worked with Team Rachael Mortgage for pre-approval, home loans, and refinance guidance.
I would give Rachael Pitarra my last $20. To say she has moved mountains for me is a gross understatement. The epitome of reliability. I wanted to write a raving review but truly cannot put into words how invaluable of an asset Rachael is to your home buying experience. A professional? Absolutely! A friend even more so! You are treated like family here and I mean that. If you want someone who will get the job done look no further ! 100/10 stars!!!!
Tahj Bell
Rachael was amazing to work with—professional, responsive, and incredibly helpful throughout the entire mortgage process. She made everything easy to understand and kept things moving smoothly from start to finish. I felt supported every step of the way and couldn’t have asked for a better experience. Highly recommend!
Lexington H
Absolute certified bad ass!
Alex Zharov
Rachael is amazing, trustworthy and supportive. I'm so blessed that our paths crossed. She helped me to achieve what seemed to me the impossible. Thank you Rachael and I can't wait to work with you again! 10 🌟 Stars 🌟
Keyonne Spencer
Rachel was and is AMAZING. This was my first home buying experience and she made it as stress free as she possibly could. Her and I talked at least three times a week and she made sure we understood every little thing. We closed 6 moths ago and she is still there helping us with every question we still have. She truly treats you like she is buying the house with you and not just another client. There is not enough hugs and thank you’s I could possibly give to thank her for all the time effort and hard work she put in for us.
Chris Hoover
Use Rachael Neville and her team! As a small business owner it has been my experience that very few Loan Officers have the knowledge or the fortitude to understand what it takes to get the job done. Coupled with the unique circumstances of Covid and most people would run. Rachael and her team were readily available to answer questions and problem solve as needed. I will be using Rachael for all my future needs.
Aaron Johnston
Worked diligently and effectively with approving my home mortgage. Will definitely recommend this company.
Joseph Duazo
Rachael and her team are wonderful! They were very helpful with any questions or concerns that I had throughout the process. They are very thorough. I couldn't have asked for better service in helping us achieve our goal. They helped make a dream come true!
Yarianmarie Rivera-Cardenales
I would give Rachael Pitarra my last $20. To say she has moved mountains for me is a gross understatement. The epitome of reliability. I wanted to write a raving review but truly cannot put into words how invaluable of an asset Rachael is to your home buying experience. A professional? Absolutely! A friend even more so! You are treated like family here and I mean that. If you want someone who will get the job done look no further ! 100/10 stars!!!!
Tahj Bell
Rachael was amazing to work with—professional, responsive, and incredibly helpful throughout the entire mortgage process. She made everything easy to understand and kept things moving smoothly from start to finish. I felt supported every step of the way and couldn’t have asked for a better experience. Highly recommend!
Lexington H
Absolute certified bad ass!
Alex Zharov
Rachael is amazing, trustworthy and supportive. I'm so blessed that our paths crossed. She helped me to achieve what seemed to me the impossible. Thank you Rachael and I can't wait to work with you again! 10 🌟 Stars 🌟
Keyonne Spencer
Rachel was and is AMAZING. This was my first home buying experience and she made it as stress free as she possibly could. Her and I talked at least three times a week and she made sure we understood every little thing. We closed 6 moths ago and she is still there helping us with every question we still have. She truly treats you like she is buying the house with you and not just another client. There is not enough hugs and thank you’s I could possibly give to thank her for all the time effort and hard work she put in for us.
Chris Hoover
Use Rachael Neville and her team! As a small business owner it has been my experience that very few Loan Officers have the knowledge or the fortitude to understand what it takes to get the job done. Coupled with the unique circumstances of Covid and most people would run. Rachael and her team were readily available to answer questions and problem solve as needed. I will be using Rachael for all my future needs.
Aaron Johnston
Worked diligently and effectively with approving my home mortgage. Will definitely recommend this company.
Joseph Duazo
Rachael and her team are wonderful! They were very helpful with any questions or concerns that I had throughout the process. They are very thorough. I couldn't have asked for better service in helping us achieve our goal. They helped make a dream come true!
Yarianmarie Rivera-Cardenales
Rachael Pitarra is truly exceptional at what she does. From our very first meeting, it was clear that she is a consummate professional who takes great pride in her work. What sets Rachael apart is her ability to simplify the complexities of the real estate market; she explains the process detail-by-detail, which is invaluable for anyone—but especially for those of us buying our first home. The home-buying process can be overwhelming, yet Rachael makes it manageable by ensuring you understand every specific step before moving forward. One of the things I appreciated most was her accessibility. You can always call her with a concern or a tiny detail you're unsure about, and she is consistently available to provide clear, thorough answers. She never makes you feel like a burden, no matter how many questions you have. If you are looking for someone who combines expertise with a genuine commitment to her clients, I cannot recommend Rachael highly enough
Elio Reyes
Rachael made my entire loan process very simple. She really helped me navigate all my options. I would highly recommend working with her, regardless if you are a first time home buyer or a seasoned home buyer.
Clifton Myers
I cannot say enough beautiful things about Rachael! Her enthusiasm and excitement for the process is truly a characteristic that eased a lot of the traditional stress of purchasing a home. Rachael, is readily available anytime I needed her and truly worked tirelessly to make sure I was educated on every step. Rachael Neville is who you need to connect with for an incredible home buying experience.
Terrill Mitchell
Rachael and her team were absolutely phenomenal during our home buying process. No matter what time of day me or My husband had questions she was available to answer them, and when she was busy her team was on top of it. I cannot thank them enough for making our dream become a reality. I would recommend Cardinal financial for any people looking. They were with us every step of the way from fixing our credit to closing. As stressful as homebuying is, Rachel and her team helped every step of the way.
Randall Stevens
Rachael is the best. It was a long process but she always stayed in touch and assured me everything would be okay even when i wanted to back out because of the builder. I definitely recommend Rachael and her team.
Brian Peterson
I had a client who was in a difficult price range and I met with Rachael Neville to see if she had some insight. Well, she made all the difference in the world for my client. Rachael was able to qualify her for a price range that gave her more choices and keep her payments where she was comfortable, while allowing her to keep more in her savings account for her nest egg. Rachael's professionalism gave us an edge we didn't have with my clients credit union but her kindness and compassion really added that personal touch we needed. Going above and beyond she came to the closing incase my client had additional questions and was able to reach out to have funds released immediately. After the closing, she was able to join us to visit the house she helped make my clients home.
Christi Clement
I was extremely lucky to work with Rachael and her team! Being a first time homebuyer and at a young age, I began the home buying process with very little knowledge about the process but she is very knowledgeable and was able to explain everything in a way for me to easily understand. I am so thankful that she was able to work with me using a VA loan and was able to direct me in the right path with making sure I had all the requirements met from the VA. Her professionalism is outstanding! She is always available, quick to respond, and SUPER informative. She made the whole process from start to end as quick and painless as possible. She also connected me with the best realtor, Amy Kershner, who helped me find my dream home! She has helped a few family friends with their home buying process and loans and they have all been extremely satisfied with her assistance. I have been recommending her to all my friends, veterans, and family members who are interested in starting their home buying process!
Xhail Garcia
Rachael was wonderful!! She made this process so easy. She was there every step of the way, anytime, anyday!! Thank you Rachael!! She went thru every step with us more than once, she was very patient. Her recommendations for a realtor was spot on!! I loved my realtor too! I would recommend her to anyone that wants to purchase a home!! ❤ I consider her my friend for 30 yrs!!
kamye powell
Rachael and team were professional and highly proactive throughout our home purchase. They were always available to help us walk through the process and answer any questions we had. Would highly recommend Bolt Mortgage.
Dave Deffenbaugh
Rachael Pitarra is truly exceptional at what she does. From our very first meeting, it was clear that she is a consummate professional who takes great pride in her work. What sets Rachael apart is her ability to simplify the complexities of the real estate market; she explains the process detail-by-detail, which is invaluable for anyone—but especially for those of us buying our first home. The home-buying process can be overwhelming, yet Rachael makes it manageable by ensuring you understand every specific step before moving forward. One of the things I appreciated most was her accessibility. You can always call her with a concern or a tiny detail you're unsure about, and she is consistently available to provide clear, thorough answers. She never makes you feel like a burden, no matter how many questions you have. If you are looking for someone who combines expertise with a genuine commitment to her clients, I cannot recommend Rachael highly enough
Elio Reyes
Rachael made my entire loan process very simple. She really helped me navigate all my options. I would highly recommend working with her, regardless if you are a first time home buyer or a seasoned home buyer.
Clifton Myers
I cannot say enough beautiful things about Rachael! Her enthusiasm and excitement for the process is truly a characteristic that eased a lot of the traditional stress of purchasing a home. Rachael, is readily available anytime I needed her and truly worked tirelessly to make sure I was educated on every step. Rachael Neville is who you need to connect with for an incredible home buying experience.
Terrill Mitchell
Rachael and her team were absolutely phenomenal during our home buying process. No matter what time of day me or My husband had questions she was available to answer them, and when she was busy her team was on top of it. I cannot thank them enough for making our dream become a reality. I would recommend Cardinal financial for any people looking. They were with us every step of the way from fixing our credit to closing. As stressful as homebuying is, Rachel and her team helped every step of the way.
Randall Stevens
Rachael is the best. It was a long process but she always stayed in touch and assured me everything would be okay even when i wanted to back out because of the builder. I definitely recommend Rachael and her team.
Brian Peterson
I had a client who was in a difficult price range and I met with Rachael Neville to see if she had some insight. Well, she made all the difference in the world for my client. Rachael was able to qualify her for a price range that gave her more choices and keep her payments where she was comfortable, while allowing her to keep more in her savings account for her nest egg. Rachael's professionalism gave us an edge we didn't have with my clients credit union but her kindness and compassion really added that personal touch we needed. Going above and beyond she came to the closing incase my client had additional questions and was able to reach out to have funds released immediately. After the closing, she was able to join us to visit the house she helped make my clients home.
Christi Clement
I was extremely lucky to work with Rachael and her team! Being a first time homebuyer and at a young age, I began the home buying process with very little knowledge about the process but she is very knowledgeable and was able to explain everything in a way for me to easily understand. I am so thankful that she was able to work with me using a VA loan and was able to direct me in the right path with making sure I had all the requirements met from the VA. Her professionalism is outstanding! She is always available, quick to respond, and SUPER informative. She made the whole process from start to end as quick and painless as possible. She also connected me with the best realtor, Amy Kershner, who helped me find my dream home! She has helped a few family friends with their home buying process and loans and they have all been extremely satisfied with her assistance. I have been recommending her to all my friends, veterans, and family members who are interested in starting their home buying process!
Xhail Garcia
Rachael was wonderful!! She made this process so easy. She was there every step of the way, anytime, anyday!! Thank you Rachael!! She went thru every step with us more than once, she was very patient. Her recommendations for a realtor was spot on!! I loved my realtor too! I would recommend her to anyone that wants to purchase a home!! ❤ I consider her my friend for 30 yrs!!
kamye powell
Rachael and team were professional and highly proactive throughout our home purchase. They were always available to help us walk through the process and answer any questions we had. Would highly recommend Bolt Mortgage.
Dave Deffenbaugh
First Time home buyer and the process was extremely smooth. Went from offer to close in a little over a month! Extremely happy with using Rachael and Bolt!
Michelle
Rachael is an incredible lender and I can’t imagine using anyone else. She is helpful, transparent, and most importantly when doing a mortgage loan, she communicates. Always excited for the next deal!
Blake Levy
I cannot say enough good things about Rachael and her team. From the very first time I met her all the way through the process, when I had questions, she provided answers immediately. She was always up for a call regardless of the time of day. She made the entire process from approval to closing so seamless, she made me aware of each step & what was to come, there were absolutely no surprises, which I am thankful for! I highly recommend Rachael to anyone looking to purchase a home, I guarantee she will make one of the most stressful events like buying a house into an enjoyable one!!
Nikki Freeman
I definitly was very happy about Rachel's hard work to meet my expectations of getting my closing cost to a certain amount as well as my mortgage payments. Being that I was trying to get my nursing school fully payed off this month . Rachel and her team were very courteous and patient each time I had a question. I'm thankful for her and her teams hard work behind the scenes.
Lance C.
Rachael and her entire team were so easy to work with. They went above and beyond to help me through the entire process. I strongly recommend using Rachael Neville. She is very knowledgeable, honest and has a great team.
M Allen
Rachael was so wonderful to work with when my husband and I purchased our first home. We really had no idea what we were doing but Rachael took the time to explain everything to us. We are so grateful we found her! She is so sweet and understanding and very knowledgeable. We highly recommend her and will contact her if we decide to purchase a different home in the future.
Lady Texan
Rachael Neville is very knowledgeable and was on top of her game in helping us secure our loan. No matter what time of day or type of question I had, she was always available. I would highly recommend her for any of your mortgage needs.
Susan Clayton
Rachael and her team are amazing. And they know the process and help you throughout it. To help you understand and get your home. I thank them so much.
Angelisa Bush
First Time home buyer and the process was extremely smooth. Went from offer to close in a little over a month! Extremely happy with using Rachael and Bolt!
Michelle
Rachael is an incredible lender and I can’t imagine using anyone else. She is helpful, transparent, and most importantly when doing a mortgage loan, she communicates. Always excited for the next deal!
Blake Levy
I cannot say enough good things about Rachael and her team. From the very first time I met her all the way through the process, when I had questions, she provided answers immediately. She was always up for a call regardless of the time of day. She made the entire process from approval to closing so seamless, she made me aware of each step & what was to come, there were absolutely no surprises, which I am thankful for! I highly recommend Rachael to anyone looking to purchase a home, I guarantee she will make one of the most stressful events like buying a house into an enjoyable one!!
Nikki Freeman
I definitly was very happy about Rachel's hard work to meet my expectations of getting my closing cost to a certain amount as well as my mortgage payments. Being that I was trying to get my nursing school fully payed off this month . Rachel and her team were very courteous and patient each time I had a question. I'm thankful for her and her teams hard work behind the scenes.
Lance C.
Rachael and her entire team were so easy to work with. They went above and beyond to help me through the entire process. I strongly recommend using Rachael Neville. She is very knowledgeable, honest and has a great team.
M Allen
Rachael was so wonderful to work with when my husband and I purchased our first home. We really had no idea what we were doing but Rachael took the time to explain everything to us. We are so grateful we found her! She is so sweet and understanding and very knowledgeable. We highly recommend her and will contact her if we decide to purchase a different home in the future.
Lady Texan
Rachael Neville is very knowledgeable and was on top of her game in helping us secure our loan. No matter what time of day or type of question I had, she was always available. I would highly recommend her for any of your mortgage needs.
Susan Clayton
Rachael and her team are amazing. And they know the process and help you throughout it. To help you understand and get your home. I thank them so much.
Angelisa Bush
We just recently closed on a home with Rachaels help! She always makes us feel like family and is more than willing to answer any questions we might have. The whole process went quickly and smoothly, so we would definitely recommend! Thanks Rachael!
Amanda Cook
Amazing experience, highly recommend Rachael Neville!!!
Lori Ruiz
Rachael and her team are absolutely outstanding! Being a first time homebuyer you sometimes don’t know about all the options or help you can get but thanks to Rachael me and my husband jumped into the process feeling confident. I will forever be great ful for all of her hard work!
Samantha Oregon
I personally recommend Rachael Neville to all of my clients. She is very helpful, knowledgeable and thorough.
Kim Cutright
In short MIRACLE WORKER / LIFE SAVER. Rachael and her team went above and beyond for my children and I when we were in a tight spot of being out of a home and also making the purchase of a new home. I trusted in the process and I had the confidence that I had because Rachael would keep communication open and went literally above and beyond to help get our new home. THE. BEST. PERIOD.
Jenine Romero
Great Service! Rachael and her team was very persistent in working to get our home loan completed. Thank you Rachael!
Ricky Crainb
Rachel and her Team were amazing to work with on my recent refinance. Rachel was uber communicative and responsive, and always available for questions. The entire process was quick and well organized. Rachel and her Team provided consistent and accurate updates. I highly recommend this team.
April Hutchins
Rachael and Bolt Mortgage have been my best choice for the two houses I bought in Texas the last five years. They also helped my son with his first house and mortgage. They are excellent, reliable and above all other mortgage services I have worked with. The best part is that they are approachable and put their clients’ needs first. Highly recommend.
Svetla McPhie
Rachael helped us throughout the process of buying our first home and made it so easy to understand what was going on. She would answer any questions I had whether it was at night or during the day! Would reccomend her to anyone looking for a lender to work with!
Victoria Hinojosa
We just recently closed on a home with Rachaels help! She always makes us feel like family and is more than willing to answer any questions we might have. The whole process went quickly and smoothly, so we would definitely recommend! Thanks Rachael!
Amanda Cook
Amazing experience, highly recommend Rachael Neville!!!
Lori Ruiz
Rachael and her team are absolutely outstanding! Being a first time homebuyer you sometimes don’t know about all the options or help you can get but thanks to Rachael me and my husband jumped into the process feeling confident. I will forever be great ful for all of her hard work!
Samantha Oregon
I personally recommend Rachael Neville to all of my clients. She is very helpful, knowledgeable and thorough.
Kim Cutright
In short MIRACLE WORKER / LIFE SAVER. Rachael and her team went above and beyond for my children and I when we were in a tight spot of being out of a home and also making the purchase of a new home. I trusted in the process and I had the confidence that I had because Rachael would keep communication open and went literally above and beyond to help get our new home. THE. BEST. PERIOD.
Jenine Romero
Great Service! Rachael and her team was very persistent in working to get our home loan completed. Thank you Rachael!
Ricky Crainb
Rachel and her Team were amazing to work with on my recent refinance. Rachel was uber communicative and responsive, and always available for questions. The entire process was quick and well organized. Rachel and her Team provided consistent and accurate updates. I highly recommend this team.
April Hutchins
Rachael and Bolt Mortgage have been my best choice for the two houses I bought in Texas the last five years. They also helped my son with his first house and mortgage. They are excellent, reliable and above all other mortgage services I have worked with. The best part is that they are approachable and put their clients’ needs first. Highly recommend.
Svetla McPhie
Rachael helped us throughout the process of buying our first home and made it so easy to understand what was going on. She would answer any questions I had whether it was at night or during the day! Would reccomend her to anyone looking for a lender to work with!
Victoria Hinojosa
Clear guidance, honest answers, and step-by-step support from pre-approval to closing.
Talk With Rachael