The McLaughlins - Loan Officers

The McLaughlins - Loan Officers SVP of Mortgage Lending at Guaranteed Rate

Petya McLaughlin - NMLS # 632851 Guaranteed Rate, Inc. NMLS 2611 3940 N.

Ravenswood Ave., Chicago, IL 60613 (866) 934-7283 โ€ข rate.com Equal Housing Lender For licensing information, go to www.nmlsconsumeraccess.org www.rate.com/licensing Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act

The most informed buyers ask the smartest questions.Before signing anything, you should understand your loan options, yo...
05/27/2026

The most informed buyers ask the smartest questions.
Before signing anything, you should understand your loan options, your interest rate, your closing cost and your timeline. Knowing what to ask your lender puts you in control of the process.
I broke down 20 of the most important questions every buyer should bring to their lender, from rates and down payments to pre-approvals and fees. Smart mortgage decisions begin here.
Considering buying? Start with these questions

https://www.rate.com/mortgage/resource/questions-to-ask-mortgage-lender?LOID=16857

Meet RateFi, a revolutionary new way to buy a home without selling your digital assets. Your crypto counts towards quali...
05/21/2026

Meet RateFi, a revolutionary new way to buy a home without selling your digital assets. Your crypto counts towards qualifying assets, but you can keep every coin. Reach out to learn more.

http://www.petyamclaughlin.com

05/07/2026

They've already done the hard part.
The least we can do is make getting home easier.
We waive lender fees-over $75M saved for veterans so far.
If you've got VA buyers, work with me. Let's show up for them the way they deserve. http://www.petyamclaughlin.com

Financial Planners, ๐‡๐ž๐ฅ๐ฉ ๐˜๐จ๐ฎ๐ซ ๐Ÿ“๐Ÿ“+ ๐๐ฎ๐ฒ๐ž๐ซ๐ฌ ๐Ž๐ฏ๐ž๐ซ๐œ๐จ๐ฆ๐ž ๐‚๐š๐ฌ๐ก ๐‚๐จ๐ฆ๐ฉ๐ž๐ญ๐ข๐ญ๐ข๐จ๐ง ๐–๐ข๐ญ๐ก ๐“๐ก๐ž๐ฌ๐ž ๐๐ซ๐จ๐ฏ๐ž๐ง ๐’๐ญ๐ซ๐š๐ญ๐ž๐ ๐ข๐ž๐ฌThe hardest conversations...
05/07/2026

Financial Planners, ๐‡๐ž๐ฅ๐ฉ ๐˜๐จ๐ฎ๐ซ ๐Ÿ“๐Ÿ“+ ๐๐ฎ๐ฒ๐ž๐ซ๐ฌ ๐Ž๐ฏ๐ž๐ซ๐œ๐จ๐ฆ๐ž ๐‚๐š๐ฌ๐ก ๐‚๐จ๐ฆ๐ฉ๐ž๐ญ๐ข๐ญ๐ข๐จ๐ง ๐–๐ข๐ญ๐ก ๐“๐ก๐ž๐ฌ๐ž ๐๐ซ๐จ๐ฏ๐ž๐ง ๐’๐ญ๐ซ๐š๐ญ๐ž๐ ๐ข๐ž๐ฌ

The hardest conversations in real estate today have nothing to do with interest rates. They're about buyers losing to a cash offer.
You know the scenario well:
A well-qualified buyer writes a strong offer ...
only to watch an all-cash bidder take the home in one move.

Not because your client lacks commitment.
Not because they aren't financially responsible.
But because cash wins speed, certainty and leverage.

And when the same buyers keep coming up short, momentum fades fast.
Every failed offer chips away at buyer confidence and deal flow.

There is a way to make financed buyers more competitive - even in heavy cash markets.

Expand purchasing power using reverse-for-purchase (no DTI requirement).
For clients 55+, this structure removes the single biggest qualification constraint and instantly increases purchasing capacity.
More budget = more competitive offers.

Position home equity as a power-bidding tool.
Reverse-for-purchase removes the monthly mortgage payment, giving buyers greater
purchasing power, cleaner offers and the flexibility sellers favor in competitive scenarios.
It's about greater optionality.

When these strategies are introduced, real shifts happen:
โœ… more competitive offers
โœ… fewer losses to cash
โœ… higher buyer confidence
โœ… better outcomes in low-inventory, high-competition markets

In a market where cash can dominate, your advantage is the ability to help buyers play a different game.

Are cash buyers dominating your local market right now? How are your clients navigating those offer rounds?

http://www.petyamclaughlin.com

Quick myth to clear up - VA doesn't mean no earnest money. We can structure offers to stay competitive just like any oth...
05/05/2026

Quick myth to clear up - VA doesn't mean no earnest money.
We can structure offers to stay competitive just like any other deal.
Call me and let's put together something that wins.

http://www.petyamclaughlin.com

This one still floats around way too much. VA deals can be structured in a way that works for both sides. It's all in ho...
04/30/2026

This one still floats around way too much.
VA deals can be structured in a way that works for both sides. It's all in how we set it up.
Work with me and we'll make it make sense for your deal.

http://www.petyamclaughlin.com

VA guidelines protect the transaction-they don't work against it. When structured right, it's a smooth experience for ev...
04/28/2026

VA guidelines protect the transaction-they don't work against it.
When structured right, it's a smooth experience for everyone involved.
Call me today and let's make your VA deals work the way they should.

http://www.petyamclaughlin.com

Chase moments, not rates. Use Rate Alert to set your target range and get back to living life. We'll notify you the seco...
04/09/2026

Chase moments, not rates. Use Rate Alert to set your target range and get back to living life. We'll notify you the second mortgage rates hit your goal and I'll be here to help you make your move.

https://alert.rate.com/refi?emp-id=16857

Address

2020 Camino Del Rio North Suite 1010
San Diego, CA
92108

Telephone

+18586994357

Website

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