Petya McLaughlin
SVP of Mortgage Lending

Petya Popova McLaughlin: Your lender for life. As Senior Vice President of Mortgage Lending, she has assisted homebuyers in becoming proud homeowners since 2001. Committed to providing excellent customer service, and placing great value in helping her customers achieve the ultimate dream of homeownership, Petya spends an enormous amount of time educating her clients and helping them make the right financial decision based on their unique needs. "As an immigrant from a country that didn't have a developed residential lending system, I have an immense appreciation of homeownership and the role of the lending industry. As a mortgage lender, I have the opportunity, skills and experience to assist my clients and their families. I am always available to answer any loan related questions during the loan transaction and beyond. I believe in creating relationships for life and I am grateful for the opportunity to bring value, to assist my clients and be a part of the home purchasing process. I consider investing in real estate to be investing in your successful financial future." As a mortgage lender, Petya's competitive advantages include low interest rates, open communication with all of her clients, and fast and smooth closings. She specializes in conventional, FHA, VA, CalHFA and Jumbo loans and is licensed in four states including California, Colorado, Idaho, and Washington. Prior to joining Guaranteed Rate, Petya worked at several other banks and mortgage companies. Her strong finance background is key to her and her clients' collective success. She has a Master's degree in Economics and Post Graduate degree in ESL and Business Administration. Petya has called San Diego her home since 2001 and with her husband and their two children. They love their San Diego community, and are very involved within it. Her favorite pastime is traveling. She and her family love vacationing in Europe, the North West, and even day trips around San Diego. During her free time she enjoys music, the arts, and home renovations.

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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.

Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.

Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.