Mortgage Banker | Rachel Mikulec Team

NMLS: 456061

(512) 284-0580

Sente Mortgage

About Me

In her career Rachel has helped hundreds of families become homeowners. Whether her clients are purchasing a lot on which to build their dream home or just beginning to explore a custom build, Rachel has the expertise to guide her clients through the many financing options. This is why many of the top builders and agents in the New Braunfels area recommend Rachel to their clients.

Through the years of working with families who are building homes Rachel has learned the importance of communicating through the process. She is passionate about meeting with her clients in person to fully understand their goals and priorities. Rachel is also fully supported by a seasoned team that includes a Loan Assistant, Product Specialist, and Transaction Coordinator. Sente further supports Rachel’s clients with local appraisers and dedicated underwriters.

Things to know about Rachel:

  1. Rachel was a 2015, 2016,and 2017 Top Producer for Sente. She has become a top producer with her financial expertise and helping families in her community.
  2. In May 2019, Rachel was featured in San Antonio Woman magazine.
  3. She is the proud mother of two sons, Mason and Maddox.
  4. When she is not assisting clients, Rachel enjoys reading, travel, fishing, and spending time with her family.

Rachel is able to provide the following types of financing;

  • Lot loans and construction loans to build a new home
  • FHA, USDA and Conventional Loans
  • VA and Texas Vet loans for Veterans
  • Financing for investment properties and commercial properties
  • Loans for Manufactured Housing

What type of
Loan is right
for you?

Different people have different financial needs. We have a solution for every situation. How can we help you today?

I'm a first-time
home buyer

After years of renting, it's time to take your next big step: Home Ownership. But where to begin?

I'm an experienced
home buyer

You've done this before, but it's been awhile. Perhaps a few notes on what's changed is in order. 

I'm a U.S. Veteran

You've served your country with honor. Now it's the country's turn to serve you, with the help of a VA Loan.

I am looking to
Refinance

You already have a loan in place, but your interest rate is nothing to brag about. Maybe it's time to refinance.

I'm a real estate
Investor

Looking to buy another home? Here are five tips to consider before you purchase an investment property.

Get Prequalified Today

Apply online or call with questions (512) 284-0580

How It Works

Find out more about our streamlined process, loan products, mortgage calculators, answers to FAQs and more... 

From the Blog

Sente Mortgage Announces Branch Opening in North Austin

Sente Mortgage expands locations serving the Austin area AUSTIN, TX – June 24, 2019 – Sente Mortgage, an Austin-based independent mortgage bank today announced the…

Read More

Sente Mortgage Announces Branch Opening in Cedar Park, TX

Sente Mortgage expands locations serving the Austin area AUSTIN, TX – February 20, 2019 – Sente Mortgage, an Austin-based independent mortgage bank today announced the…

Read More

Send a Message

Contact

  • 473 S. Seguin Avenue
    New Braunfels, TX 78130
  • Office: (830) 609-5626
    Direct: (512) 284-0580
  • Email: Rachel.Mikulec@SenteMortgage.com
  • Operating Hours: Monday - Friday
    8:00 AM - 5:00 PM