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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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, Inc. and are subject to change without notice. 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).
Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.
Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.
FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.
VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.
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.
One discount points equals one percent of your loan amount.
Guaranteed Rate, Inc. 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.