Headshot of Rachel Patrick

Rachel Patrick

Sr. Loan Officer

Bellingham, WA Mortgage Lender

NMLS #1539550

21 Bellwether Way, Suite 103/104
Bellingham, WA 98225
Contact Methods
tel Phone
mobile Mobile
(360) 255-8451
fax Fax


About Rachel

I’m lucky enough to confidently say I love my job! I’ve been helping people achieve their goal of homeownership for years, and I couldn’t imagine doing anything else. I enjoy the personal and professional relationships I develop while guiding my clients through one of the biggest financial decisions of their lives. Whether you’re buying your dream home, ready to build yours from the ground up, or looking to refinance, I’m here to help.

As your trustworthy loan officer, I’m proud to offer a variety of programs, from conventional and FHA to VA and USDA loans, to help you accomplish your homeownership dreams. We'll consider your goals and find the right home loan for you. If you have any questions as your loan makes its way to closing, I’d be happy to answer them at any time of day. Developing strong relationships with my customers is the foundation of success in every homebuying journey – and I can’t wait to be part of yours.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 360-535-7983