Hello! My Name Is Rachel Thorell
With over 30 years of experience in the mortgage industry, I bring a deep passion for helping people achieve their homeownership dreams—whether it’s their first home, a luxury estate, or planning for the future through a reverse mortgage. My journey into mortgage lending began with a desire to make a meaningful difference in people’s lives through financial empowerment. I quickly discovered that guiding clients through one of the most important decisions of their lives—financing a home—was something I was passionate about.
Over the years, I’ve built a reputation for delivering expert advice and personalized service across a wide range of lending needs. What sets me apart is my commitment to education—I ensure that my clients fully understand their options so they can make informed, confident financial decisions. I believe in building long-term relationships, not just closing loans. Many of my clients become friends, and I often have the honor of helping multiple generations within the same family.
I pride myself on offering the highest level of service, marked by consistent communication, transparency, and a dedication to getting things done right the first time. My approach is rooted in genuine care, deep industry knowledge, and a desire to simplify what can often be a complex process.
Beyond mortgages, I am deeply committed to community service and humanitarian work. I currently serve on several nonprofit boards, including:
- Primary Children’s Hospital Family Advisory Board for Cancer, Brain Tumor, and Transplant (4 years), helping ensure families’ voices are heard in shaping care for critically ill children.
- Children of Ethiopia Education Fund (COEEF) (10 years), where I actively promote education for the most impoverished children in Ethiopia—especially young girls. I organize and lead annual youth humanitarian expeditions to Ethiopia and Uganda, giving young volunteers the opportunity to serve, connect, and witness the transformational power of education firsthand.
- Builders Without Borders of Utah (7 years), an organization that builds homes for homeless families in Mexico. I’ve participated in and helped lead home-building projects, where volunteers come together to construct homes for those in desperate need.
My greatest joy, however, is my family. I am a proud mother of nine children, eight of whom are adopted, and I’ve had the privilege of being a foster mom to over 29 children for the past 17 years. These experiences have taught me patience, resilience, and compassion—qualities that influence every interaction I have, professionally and personally. In my spare time, you’ll find me traveling the world, seeking out new cultures and perspectives that continually inspire me.
Whether you’re buying your first home, building your dream home, or refinancing to reach new goals, I’m here to make the process smooth, successful, and even enjoyable.
My Services
Personal Loan Advisor
I am happy to help you on your journey!
Low, Competitive Rates
I will compare from several sources to get you the lowest rate.
Top Service
I will help you choose the best loan for you.
Rachel helped us secure financing for our first home and was an absolute pleasure to work with. She did a good job communicating expectations and processes ahead of time, making sure we understood everything and was very responsive when we had questions or wanted a quote on a specific house. We felt like she was in our corner at every point, working to get us the best deal possible and doing everything she could help us get approved for the house we wanted – at one point when there was a problem with our financing and it looked like we wouldn’t be approved for the amount we needed, she went to war with the underwriter (in a very professional manner) and helped us get everything we needed! We’d happily recommend her to anybody needing financing to buy a house.
– Spencer Horspool
Rachel and her team were great to work with. They made the refinancing process painless. Her team was responsive and made the whole process very smooth. Would highly recommend!
– Candace Roach
Rachel is exceptional in every way! We are so grateful to have worked with her and highly recommend her. She’s quick to respond and incredibly knowledgeable. She has the perfect balance of keeping you informed without being pushy. She’s kind, flexible, and truly goes the extra mile! I hope we can stay in our home for a long time, but if anything changes, we’ll be calling Rachel again in a heartbeat!
– Chelsea Ackroyd
Rachel and her team was great to work with. She answered all our questions and was very responsive. I would definitely work with her again.
– Connor
Rachel was great to work with. She made the process seamless and easy for me. Always quick to respond. I would recommend her to friends and family.
– Summer Rumsey
Buying my first home felt overwhelming at first, but working with Rachel made all the difference. From day one, she was caring, patient, and genuinely invested in helping me succeed. She was always available to answer my endless questions, no matter how small, and explained each step in a way that made me feel confident instead of stressed.
What impressed me most was how hard she fought to get me the best possible deal. I never once felt like “just another client”, she truly looked out for my best interest and went above and beyond to make the process smooth. Thanks to her dedication, I not only bought my first house, but I also feel like I fully understood the process along the way.
I couldn’t have asked for a better loan officer and would recommend Rachel to anyone ,especially first-time homebuyers who want someone knowledgeable, trustworthy, and deeply committed to their clients!!
– Ashley Keller
Rachel with Lifetime Loans was a pleasure to work with. She kept in touch throughout the loan process and contributed to a very smooth lending experience . We have now worked with Rachel on 3 different loans. There is a reason we kept coming back.
– James Wallace
Rachel goes out of her way to ensure a transaction goes smoothly. I really love how she gives weekly updates to her clients and is responsive when reached out to. Her communication with everyone in the transaction was so impeccable, we even used her for the purchase of our own home after working with her. Would recommend her to anyone.
– Eliza Jessee
Rachel Thorell is as intelligent as she is kind. She knows how to get you the best loan and she gets you through the process with patience and answers to all your questions. She a huge asset to have in your corner when getting a loan or refinancing. She’s the one I tell my friends to use!
– Rachel Eaton
Rachel and her whole team were incredible throughout the home buying process. As first time buyers, we were anxious of all that goes into this process, but Rachel helped make it feel simple and easy. Highly recommend Rachel and Lifetime Home Loans.
– Samuel Jessee
Rachel Thorell was a amazing loan officer. She helped my wife and I understand what we were signing up for and all the documents we had to sign at closing. Rachel would explain things to us during the closing which helped alot. She also helped us find the best rate possible. If you are looking for a loan officer I will go with Rachel Thorell. She helps you understand all the complicated paperwork and loan documents, makes the loan process very nice and smooth no stress at all.
– Colton Boyack
Rachel is amazing! She is totally committed to the entire lending process because she cares and is so knowledgeable!
– Jill Kinder
Wonderful people to work with. They know what they’re doing. Really fast and efficient service. Definitely recommend if you need a mortgage!
– Don Pettit
I had the pleasure of working with Rachel as the buyer’s agent, and she was absolutely fantastic! Her communication was top-notch—I always knew exactly where we were in the process and never had to wonder about the status of my clients’ loan. She was proactive, professional, and made the transaction seamless. I can’t wait to work with her again.
– Shelli Clark
I love working with Rachel as my preferred lender. She is so responsive and supportive it is incredible. She is truly my business partner . The loan process is always smooth with no last minute hiccups or stresses. Rachel is a wonderful person with great values . She is the best!
– Kristie Todd
Rachel was so helpful and always quick to respond when we had questions. She explained things clearly and was very kind and positive throughout the whole home buying process. We would definitely work with her again in the future and recommend anyone looking into buying a home to contact her for help.
– Seth Ackroyd