About Rachelle Thomas


Rachelle Thomas has spent more than half of her life working in almost every facet of the home finance industry. Starting as an escrow officer, gaining valuable experience in finance as a bank manager, she worked her way up to become a leading Mortgage Loan Originator in her hometown of Bend, Oregon.  Rachelle’s customer-focused approach and unique knowledge base means that she’s been able to maintain long-term relationships with borrowers and colleagues built on trust and the expertise she brings to every transaction. Many of these relationships have required her to expand her reach into Washington and California.

Rachelle works to educate borrowers before, during and long after the loan process with clear communication and follow up. She identifies and resolves gaps in the needs of each customer by asking the right questions, learning their goals and providing solutions and options that meet the immediate need as well as future financial goals.

With her extensive knowledge of available loan programs, Rachelle can offer the following options and more:

  • VA Loans
  • Conventional loans
  • FHA/USDA loans
  • Renovation loans
  • Refinance loans
  • Jumbo and Super Jumbo loans

Though she has helped countless homebuyers with these programs, Rachelle has vast knowledge and experience in FHA and VA loans. She is incredibly proud of her family’s contribution to the country—both of her grandfathers served in the U.S. Armed Forces, and her father is a retired Master Chief of the U.S. Navy who taught her integrity, honesty, and a strong work ethic. She understands how important it is to access the benefits earned through service to our country.

When she’s not helping customers reach their mortgage goals, Rachelle is spending time with her family, either dining out, watching movies or watching sports. She has two beautiful girls and three interesting dogs who she spends her spare time with.

Rachelle’s attention to each of her customers, together with her understanding of the loan process, makes her the perfect Mortgage Loan Originator to have in your corner. No matter your unique situation, Rachelle Thomas will help you achieve your home finance goals.


What Our Customers Say About Me

Ryan W. Jun-22
“Rachelle was fantastic to work with. She was wonderful communicating and was extremely knowledgeable about the best options for us.”
Emily S. May-22
“Rachelle was so helpful. She took so much time to answer all of my questions and explain everything in detail. I felt very supported and comfortable with the loan process the whole time thanks to Rachelle!”
Jason M. May-22
“My wife and I couldn't have asked for a better experience! Rachelle is so knowledgeable and responsive, keeping you posted during the whole process. We will be using Rachelle and Homebridge again in the future!”
Daniel Z. May-22
“Rachelle was fantastic throughout the whole loan process. I had a lot of questions at every step and she answered all of them. Thank you Rachelle!”
Trista L. May-22
“Rachelle was awesome! Very quick to get back to us and very personable. Thankful we had her along side us through out the loan process!”
Michael K. Mar-22
“We were and still are impressed with Rachelle and JT! They are professional yet personable. They answer all our questions with respect and in a timely manner. We would recommend them to anyone wanting a mortgage!”
Tanner C. Mar-22
“Rachelle Thomas and her team are incredible in every way. We originally worked with her to close on the home we are in currently and knew she would be able to help us with the mess the current financer put us in. While we did have a few hiccups in the length if time it took to close, Rachelle and her team always gave it there all to make sure we were updated and took care of everything for us. They made this process amazing and I cannot recommend her and her team as well as Homebridge enough. Excellent quality is what you get across the board!”
William S. Feb-22
“This is the third time we have used Homebridge, Rachelle and JT for either buying/selling/refinancing. They are AMAZING! Very knowledgeable, professional and always willing to go the extra mile! They make the process painless and we will never go anywhere else.”
Brian S. Feb-22
“My wife and I had a fantastic experience purchasing our first home through Homebridge. Rachelle Thomas made the process easy and was able to tackle all of our hurdles along the way. We will definitely be utilizing Homebridge for any future home lending needs!”
Colette J. Dec-21
“I am EXTREMELY satisfied and grateful to Homebridge and to Rachelle and her team. I was asked not to apply for loans by two other lenders before my realtor discussed my personal situation with Rachelle and they agreed to look into it. Ultimately I was able to apply for pre-qualification and was approved, months before other lenders would consider me. I would not have been able to purchase a home right now without Rachelle and Homebridge. Rachelle and her team provided thorough and 100% friendly and respectful service throughout every phase of the process. I intend to share how grateful and happy I am with family and friends on social media. I have already mentioned Rachelle Thomas/Homebridge in my holiday card letter, and in numerous texts and phone conversations!”
Eric T. Dec-21
“Rachelle was great to work with on both buying our second home, and refinancing our home. Her recommendations are always on point. Two thumbs wayyy up! Will be back again!!!”
Molly H. Nov-21
“This was our second time utilizing Homebridge to accomplish our homeowner goals. Rachelle and JT are always efficient knowledgeable and patient about our loan process. They are quick to answer all of our questions. Our loan closed much quicker than they anticipated. We were able to accomplish our goals by refinancing our home. We appreciate their expertise and will definitely recommend Rachelle and JT at Homebridge!”
Heath G. Oct-21
“Rachelle is efficient, professional, and prompt. JT is all these qualities and pretty good. Thanks homebridge!”
Ann T. Oct-21
“Rachelle, is awesome in the work she does this is my 2nd time to work with her, the world needs more gals like her.”
Island P. Sep-21
“Rachelle was great to work with. Very knowledgable and efficient!”
Steven H. Sep-21
“Outstanding loan advisor; very helpful with regards to any questions I had”
Annette C. Aug-21
“Rachelle was extremely knowledgeable and always went the extra mile to make the loan process understandable and successful.”
Kristan B. Aug-21
“Working with Rachelle Thomas is always a pleasure! She's fast, efficient and always able to answer our questions quickly!”
William F. Aug-21
“Rachelle is an incredibly competent, capable and caring person who never disappoints when it comes to providing a great home loan experience!”
Zoe D. Aug-21
“Rachelle and JT, thank you both so much for helping Mike and I refinance our house! We didn't think it would be possible with only owning the house for a year but you guys dived into it immediately when we asked about it. Thank you for working so diligently and communicating with us throughout the entire process (I know you guys had to be patient with us trying to understand all the lingo and terms) We're so excited to have a lower interest rate and some extra money going into our savings account! We love working with you guys, thank you again!”
Dwayne R. Jul-21
“Rachelle was a joy to work with! I will recommend her to anyone, and use her again.”
Kimberly D. Jul-21
“Rachelle was amazing. She was there for me throughout the entire process and even celebrated milestones with me. I can't wait to recommend her!”
Soffia S. Jul-21
“Rachelle Thomas and her team are great. This was a very stress free and quick refi. Great people to work with.”
Christopher S. Apr-21
“Rachelle and her team were Rock Stars! They were forward-thinking and a delight to have on your side. Rachelle's effectiveness was above reproach and never waived when dealing with the unexpected. Her dedication to making a family smile is a testament to her humility and professionalism.”
Kenneth S. Apr-21
“Jen Dorsey and Rachel were outstanding to work with!”
Tanner H. Apr-21
“Rachelle is the best in the business!! She's very personable and always willing to help answer any questions and explain things in a way that makes sense. This is my second time working with Rachelle and it won't be the last!”
Jonathan P. Apr-21
“Rachelle Thomas was all of the qualities you could wish for in a mortgage broker; she's calm, knowledgeable, encouraging, resourceful, and confident. Rachelle made herself available whenever we needed her and was always on top of the demands of a particularly challenging loan scenario. If/when we decide to refinance or purchase another home, there's no question that I will call Rachelle.”
Shannon C. Apr-21
Donald S. Apr-21
“Rachelle Thomas is not only a professional in the very best sense of the word, but she also is personable and has a empathetic and reassuring attitude that inspires trust and confidence in her work. We were in a unique situation and she was patient, supportive and as helpful as possible through each step of the process. We would have no hesitation in recommending Rachelle or Homebridge to anyone searching for an excellent working relationship and professional and knowledgeable support.”
Lee W. Feb-21
“She is amazing at every step always there to explain things I can't thank her enough for her amazing help. She works very hard and returns texts even after her long day. I am so thankful!! ”
Lee W. Feb-21
“She is amazing at every step always there to explain things I can't thank her enough for her amazing help. She works very hard and returns texts even after her long day. I am so thankful!!”
Jennifer B. Feb-21
“I have worked with a few mortgage brokers, Rachelle is in a class all her own. She has once again exceeded my expectations. She is knowledgeable, quick to reply and has my best interest in mind. Homebidge is lucky to have her on their team.”
Traci C. Feb-21
“Rachelle Thomas was amazing! Her and JT kept me informed every step of the way. They were very quick and it felt like I was the most important person they were working with! Thanks again for such a great experience!”
Jarett J. Feb-21
“Rachelle was absolutely fantastic. She helped us thru every step, kept us updated, and explained everything we needed to know. She was amazing. Always professional and informative. I would absolutely Work with her again and recommend her to others. Couldn”
Carolyn P. Feb-21
“Rachelle was exceptional. Would recommend her to my friends. Process went smoothly and closing was on time with no hiccups.”
Chris U. Dec-20
“Rachelle was amazing in both my original home loan as well as refinance! She provides concise, clear, and quick responses and made sure everything was taken care of every step of the way.”
Alexander M. Nov-20
“Rachelle was Wonderful. Although she had many other applications in process, she always got back to me in a reasonable amount of time and communicated clearly. She fought through some of the problems encountered and MADE THE LOAN HAPPEN. We couldn't have done this without her.”
Constance F. Oct-20
“Top job, as usual. Her team is first class, too. Thanks for an easy experience”
Jaimie W. Sep-20
“Even though it was an incredibly busy time in home buying I was able to get my questions answered quickly by either Rachelle or the team. They were very helpful and patient with first time how buyers. I have already given contact info to interested buyers.”
Angela B. Aug-20
“Rachelle as always makes it easy and a pleasant experience. I was very thankful that I was able to go to title local instead of having to drive to bend. Will always use Rachelle and tell everyone to call her first.”
Richard H. Aug-20
“Very helpful thank you all”
Adam M. Jul-20
“Rachelle, you are simply the best in the business! Extremely satisfied with the service you provided. Your attitude, communication skills and reassurance you provided us are unmatched. Thank you for being amazing!”
Donald P. Jul-20
“Rachelle is a pleasure to work with. Very smart, organized, and work very well with her team at Home Street.”
Adam M. Jul-20
“Rachelle, you are simply the best in the business! Extremely satisfied with the service you provided. Your attitude, communication skills and reassurance you provided us are unmatched. Thank you for being amazing!”
Donald P. Jul-20
“Rachelle is a pleasure to work with. Very smart, organized, and work very well with her team at Home Street.”
Jesse B. Jun-20
“Rachelle was very helpful throughout the process, I would recommend her to a friend for sure.”
Cheryl H. Jun-20
“Be sure to get you home loan with Rachelle Thomas! She will not disappoint!”
Sidney H. Jun-20
Stephanie H. Jun-20
“This was a very simple and easy process especially during a pandemic. Rachelle made the process really easy and stress free for me.”
Lillian B. Jun-20
“We had the best, most ideal experience imaginable working with Rachelle Thomas at Homebridge in Bend, OR. The entire process from first start to finish was smooth and transparent. There were no unexpected or bad surprises and no hidden fees or costs. This was our first time buying a home and we were prepared for an anxious and difficult process, but working with Rachelle and team couldn't have been further from that. She was always available any time to answer questions and keep our timeline on track. Everything was handled very professionally but we felt comfortable and at ease like they truly understood and were serving our needs throughout the entire process. Killer team at Homebridge, Bend OR, and also thanks to Emily Jonas for recommending this fab group!”
SEAN M. May-20
“Rachelle is always accessible and knowledgeable in all the processes that come with buying a home. Even when moving out of state I decided to continue working with Rachelle because of how great she was during my first experience with her.”
LAURA M. Apr-20
“Rachelle is Always helpful, knowledgeable, and prompt to respond. She's the best!”
“COVID-19 caused some delays, so not at all the problem with Rachell and her staff. Since we don't live near Rachelle, and travel was severely restricted, Rachelle was unable to attend our closing. She is the reason we reached out to Homebridge Financial. Rachelle is a great employee of the company, and has an energetic and positive personality, which made the process much better.”
IAN K. Jan-20
“You are by far the best person for me to work with. Thank you so much for all your help and you are a superstar in the loan business.”
SOFFIA S. Dec-19
“Rachelle is a great person, who really knows what she is doing. She is great about making sure I understood what was going on throughout the process! She is AMAZING!”
COLIN P. Nov-19
“We love Rachelle and would go through her again in an instant!”
DANIEL K. Nov-19
“Thank you, Rachelle!!!”
Simon M. Oct-19
“It was a pleasure working with the team at Homebridge. As we were moving from out of state it was vital that we could proceed through the process using online resources. Rachelle's responsiveness to every question and need (even the ones we didn't know to ask) certainly made our lives easier.”
Molly H. Sep-19
“Rachelle, thank you for your expertise and efficient handling of our loan! It was So nice to meet you in person after hearing about you from my sister and brother in law! You we're truly amazing! We love our new house! Thank you again!”
David H. Jul-19
“Rachelle Thomas provides excellent service and is truly professional! You are lucky to have her representing Homebridge Financial Services!”

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