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Blue Water


I've been at this whole mortgage thing for a while! Take a look and see what past clients have said about working with me. 

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3/15/2022 - Tim M. from San Marcos, CA

Rachel is the best.

It was so nice having Rachel on our team in finding a home in a highly competitive north county housing market. She supported us with clear, concise and responsive financial guidance that gave us confidence in negotiating our purchase. She continued to help us after closing with property tax advice saving us substantial money!

Rachel is kind and personable...I really can't say enough about how much we have appreciated her financial advice and expertise!

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11/25/2020 - Kristen M. from Oceanside, CA

Very experienced and easy to work with!

Rachel helped us through a refi and a home purchase. Throughout both she was very responsive, during each step of the way she was so quick to keep us informed with all the details clearly outlined. We certainly look forward to working with Rachel again, in the future and have/continue to recommend her to friends/family!

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11/24/2020 - Eric M. from Oceanside, CA

Look no further than Rachel!

Rachel helped us with a refinance and home purchase this year. During both processes, she got us AMAZING deals and helped us complete each step with ease. She is incredibly responsive, knowledgeable and always made us feel confident that we would achieve our goals with her on our team. We are so happy to have found her and will not hesitate to use her for all our home financing needs in the future. If you want to work with the best loan officer, give her a call/email today!

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8/24/2020 - Tania L. from San Marcos, CA

The best!

My husband and I were so happy to have Rachel refinance our loan! She was very quick to answer emails and kept us up to date on our loan and always explained things to us clearly and easily. Our rate is so much lower and we are saving a lot of money each month. I would HIGHLY recommend Rachel to anyone!

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3/2/2020 - Shivani P. from Sonoma, CA

Painless, Seamless Process

Working with Rachel on our refinance was simply amazing. We started with her because her rate was by far the best, but in the end what we were most impressed with was how easy it was! Rachel handles everything and bothers you the least amount possible. We are extremely busy professionals and have been through the mortgage process several times - so we were expecting a bit more hassle. Not with Rachel. She is knowledgeable and personable which combined makes her the best choice in lender.

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5/2/2019 - Misty C. from Vista, CA

Best experience with Rachel Fransen

Rachel was always available for us when we needed her. She was very knowledgeable about the whole lending process and helped us with questions we didn’t even know to ask. She was patient and followed up with us to make sure we felt good about the process and made sure we had all our ducks in a row. I don’t think we would have had such an easy loan experience if it wasn’t for Rachel. I highly recommend her to anyone, Especially if you’re a first time home buyer or VA loan or just feel a little lost. Thanks Rachel

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1/26/2018 - Kim H. from Vista, CA

Rachel is AMAZING!

Rachel's knowledge in her field and guidance made both of our transactions a breeze! We absolutely appreciated her positivity and continuous check-ins and updates about the progress of our loan, deadlines, and much more. Rachel made sure we understood everything we were signing and all of our questions were answered. She was awesome to make sure we were ahead of the game to ensure there wouldn't be any hold backs. We would definitely recommend Rachel to our family and friends!

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6/8/2017 - James N.

Had all the answers!

I can't express enough how much I appreciate all of Rachel's help. She was quick to reply to any question I had, and took care of everything I needed. She took care of everything for me! I would highly recommend her if you're looking for a painless home buying experience. Thank you again for everything you have done!

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2/2/2017 - James B.

Worth the switch to small brokerage

I met Rachel serendipidously when I bought some tables from her online. I was new to the area and buying a couple of rental properties. While talking to her I learned that she worked for a local brokerage. I was initially skeptical, as I thought working directly with a bank would be cheaper. I was surprised to find that this is not always the case. Rachel routinely beat local and national banks with her rates and terms. The icing on the cake was her outstanding customer service. She was not only reachable, but proactive in contacting me to ensure all the necessary steps were completed during the application process. Once the loan was approved, she gave me a smooth handover to the lender. She still checks up every once in a while to make sure everything is okay.

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1/30/2017 - Lara B.

Rachel is amazing!!

Rachel is the best lender! She explains the process very well! She is easy to communicate with and gets the job done with no hassles! We will use Rachel every time!

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1/29/2017 - Eric N.

Rachel Fransen gets the job done.

From my initial inquiry of home refinancing Rachel was dedicated to find the best rates for me. She is honest, takes time and addresses any concerns that a person who is refinancing has. Rachel Fransen has the experience and the know how to complete your loan. Do not look anywhere else this is the agent FOR YOU.

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1/26/2017 - Ron

Ask for Rachel

We consider ourselves fortunate in finding Rachel. Not doing a home loan in almost 25 years, located 200 plus miles away, and with the internet transfer and signing of paperwork, she patiently provided the info needed and answered our oft-repeated questions re our loan and particular situation. Always helpful and on top of the process. We anticipate doing another loan in the near future and will ask Rachel to work with us. Thank you, Rachel.

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5/14/2016 - Alex B.

Rachel is extremely organized, replies to emails quickly, calls you back immediately,...

Working with Rachel was a pleasure. Rachel is extremely organized, replies to emails quickly, calls you back immediately, answers any questions you have in a timely manner, and keeps excellent communication with you throughout the home purchasing process. We bought our first home recently- and would DEFINITELY work with Rachel again. She was EXTREMELY helpful and I would definitely recommend her to first time home buyers.

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She was always available to us to answer any questions

Rachel was absolutely amazing! We were first time home buyers and this process seemed very daunting and confusing, and she made it so easy and explained everything in the best way that we could understand it. She was always available to us to answer any questions and worked tirelessly to get us closed on schedule! Throughout the whole process she had our best interests in mind and I would highly recommend her to anyone looking to buy or refinance!

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3/31/2016 - Tim K.

She provided invaluable insight into mortgages

Rachel was always there day or night to answer any question I had. She provided invaluable insight into mortgages, even steering me clear of things that would be difficult to afford or what looked like bad ideas. I will definitely be reaching out to her for future purchases.

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2/1/2016 - Karen Y.

Always happy to help.

Rachel was very helpful to me when I had questions, kept me informed about every about every step during the process. You are very lucky to have such a great employee who is always happy to help.

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1/7/2016 = Steve P. 

She was always available to answer my questions

Rachel was great! As a first time homebuyer she made the whole process of getting a VA loan extremely easy and painless.We closed early, she was able to get me a great rate, and I was able to walk in the house without paying anything! She was always available to answer my questions and I can't wait to use her again in the future. I would recommend her to anyone and everyone I know.

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10/21/2015 - Kelsi K.

She was very attentive to our needs

Rachel was SO HELPFUL with the entire process! We purchased a home 650 miles away and she made sure we understood all of the documents even if it meant she had to stay on the phone for an extended amount of time. She was very attentive to our needs and helped us find insurance and worked with then to make it easier. Even after our home was purchased Rachel followed up with us to be sure we like it and are happy.

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10/14/2015 - Leida S. 

Rachel was committed and extremely helpful with the process.

We recently purchased a second home in Reno, NV. Rachel was committed and extremely helpful with the process. She is very accommodating and will always make time to address our questions and concerns. We could have not done this without her. We surely are very thankful that she worked with us. We certainly would recommend her to anybody.

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9/23/2015 - Erik L.

She explained the process in a way that was easy to understand

It was a pleasure to work with Rachel. She explained the process in a way that was easy to understand and was always ready and available to answer all my questions any time I called. I am extremely happy with the service provided and wouldn't consider using anyone else in the future.

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9/2/2015 - Brian E.

My first time buying a house was seamless thanks to Rachel.

Rachel is very thorough, dependable, and completes everything in an efficient and precise manner. She is very knowledgeable and is easy to contact, she was able to answer every question I had as a first time home buyer. My first time buying a house was seamless thanks to Rachel. I would highly recommend her for your next loan!

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8/25/2015 - Ted L. 

She answered all of our questions in a timely manner

Rachel was very knowledgeable and responsive throughout the entire process. She answered all of our questions in a timely manner, and picked up and delivered all of our paperwork which saved us a tremendous amount of time. We would highly recommend her in the future.

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7/22/2015 - Willi R.

This was by far the smoothest and most un-eventful loan that I have ever applied for

Rachel monitored the entire process from beginning to end. Rachel kept in direct contact with the realtor, escrow/title as well as managing the loan application, qualification and approval. This was by far the smoothest and most un-eventful loan that I have ever applied and been approved for. Communication is one of her strongest attributes and for that reason I can recommend Rachel and the services she provides to anyone without hesitation.

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7/22/2015 - Tim

I could not imagine trying to have gone through the process without her help

As a first time home buyer, Rachel helped me understand many aspects of the housing process from mortgages to home warranty features. I could not imagine trying to have gone through the process without her help and knowledge. Even though we are located in different cities, her responses were extremely quick and thoughtful. I would highly recommend Rachel to all my friends.

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6/25/2015 - Grace

She was such a great loan officer

One word I can say about Rachel is FABLOUS! She was such a great loan officer and was the perfect person to work with while purchasing my first time home. She was very diligent and patient with all my Inquiries, I will most defiantly utilize her again. I wouldn't have changed a thing about the whole process, it was amazing.

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3/30/2015 - Christy

She works so hard to make sure the whole process is a breeze.

Rachel is awesome! She works so hard to make sure the whole process is a breeze. She knows her stuff and was always there to answer any questions no matter what time of the day it was. I will choose her for a home loan every time! Thank you Rachel!

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