Call (586) 612-5001 Schedule free call Start pre-approval

Why Raquel

Raquel Moore, NMLS 138789, is a senior mortgage advisor and independent mortgage broker in Macomb, Michigan. She has spent 38 years in the mortgage industry, 30 of them as a mortgage banker at household name firms and the last 8 as a broker, and much of her business arrives by referral. Clients call her Rocky. She calls herself your Michigan Mortgage Whisperer. This page explains how she works and why people send their family, friends, and clients to her.

Her path: from banker to broker

Raquel knows the banking world well; she lived in it for 30 years and what she learned there was invaluable. She also learned its limit, and the limit is structural, not personal. A mortgage banker originates one institution's products, and only those products. Some clients are well served by that menu. Others are not, and inside a bank there is little a lender can do about it. The menu is the menu.

Eight years ago she made a deliberate decision to become a mortgage broker, and it transformed what she can offer. A broker is a licensed, independent intermediary who connects borrowers with the lenders best positioned to serve them, a personal shopper for your mortgage. In her words: she did not change industries, she changed what she was able to offer. She stopped selling a mortgage and started solving a problem.

A bigger toolkit, for every situation

Independence widened the menu to nearly every borrowing situation: purchases from first home to second home, refinances, construction and lot loans, commercial and investment property, reverse mortgages for senior homeowners, and asset based lending for retirees and high net worth clients. Residential programs run from Conventional, FHA, VA, and Jumbo to FHA 203K renovation and non QM options for the 1099 contractor, the nontraditional earner, and every borrower whose finances do not fit a standard box. She has worked with MSHDA first time buyer lending and has been named on the MI First Home successful lenders list.

The matching is the expertise

Access to dozens of lenders is not the same thing as expertise, and a list of options is not advice. The skill is in the matching. Raquel takes the time to understand your financial situation, your goals, and your timeline, then finds the lender and the loan program that fit them: the right mortgage, structured the right way, for where you are in life and where you are headed. And she does not get rattled when things get complicated.

Many of her lenders are specialized wholesale firms rather than household names, firms she has tested and trusts to deliver. She knows their underwriting requirements, their sweet spots, and the scenarios where each performs, which is not something a rate comparison website can tell you. Because she handles the comparison shopping, the paperwork, and the lender communication, files tend to move quickly and closings stay on schedule. Access. Efficiency. Speed.

For the professionals who refer

Much of Raquel's practice comes from accountants, attorneys, insurance professionals, financial advisors, and real estate agents who put their own reputations behind an introduction. For accountants, she understands the tax nuances of refinance strategies, investment property, and asset based lending, and coordinates with you rather than around you. For attorneys, she has navigated trust ownership, estate planning, complex title situations, and business entities holding real estate. For advisors and insurance professionals, she is the steady hand your clients need at the moment of a major life transition.

When you refer someone to Raquel, you are not just pointing them toward a lender. You are connecting them with 38 years of expertise, a trusted network, and a genuine advocate who works in their best interest. She knows a referral reflects on you, and her goal, every single time, is to make you glad you made it.

What should you expect when you work with her?

A conversation before any paperwork. Straight answers about what your budget supports. Personalized, high touch service from the person who actually handles your loan, with a written plan for the milestones between preapproval and closing and updates at each one. Flexibility, expertise, and advocacy, at whatever pace your decision needs. The first conversation is free and carries no obligation.

Facts about Raquel Moore

  • Raquel Moore is a licensed mortgage loan originator, NMLS 138789.
  • She is a Senior Mortgage Advisor and independent mortgage broker.
  • She has 38 years of mortgage industry experience: 30 as a mortgage banker and 8 as a broker.
  • Moore2Lend Mortgage Lending is a division of Simple Home Lending, LLC.
  • Her office is at 17901 Hall Rd., Macomb, Michigan 48044.
  • She is licensed in Michigan.
  • Her lending covers purchase, refinance, construction, commercial and investment, reverse mortgage, and asset based financing, with residential programs from Conventional, FHA, VA, and Jumbo to FHA 203K and non QM.

Licensing

Raquel Moore is a licensed mortgage loan originator, NMLS 138789. Moore2Lend Mortgage Lending is a division of Simple Home Lending, LLC. Lending services are offered in Michigan. Verify licensing through NMLS Consumer Access.

Talk with Raquel

Whether you were referred or found this page on your own, the next step is the same: a short conversation about where you are and where you want to be. The next time you or a client is buying, building, refinancing, or investing, she would like to be the first name you think of.