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John Varughese

VP of Mortgage Lending Guaranteed Rate Affinity NMLS #658699
John Varughese is a true seasoned professional with over 10 years experience working in the finance industry, and an extensive background in banking. Having spent the entirety of his career in Southern California, John understands the needs of his local clientele and consistently stays abreast of the ever-changing marketplace.
Jul 27, 2020
I would personally recommend John Varughese for any of your home loan needs. I found John to be very professional and timely when answering any of my questions and concerns during the loan. He dug deep into my application and financial circumstances going way above and beyond and was an ally not just a loan processor. At first glance I did not have the income to proceed with the amount of loan I was seeking. After digging into my financial matters we found that we could pay off some financial debt that would allow us to qualify for the loan. I cannot think John enough for his diligence and ability to think outside of the box.

Thanks again John
Jul 7, 2020
sales director
It was an absolute delight to work with John on my mortgage application. He was always on top of things and was very prompt in replying to my questions. As first time buyer i had lot of questions and concerns which he replied to within minutes. I would highly recommend him and would love to work qith him again in future.
Sep 28, 2019
Great rate and low to no fees! Thanks John and Guarantee Rate!
Sep 4, 2019
Owner of senior facilities
John Varughese is the best loan officer ever I met. He is the best in the west. He is very professional and enthusiastic. He listens to you and provides you the best solution! I like him.
Jul 24, 2019
John Varughese did a great job in securing the loan. He went above and beyond to help us.
Jul 4, 2019
none
John frequently called and texted me to keep me up to date on how my loan application was going. He would call if some information was needed and kept me informed and explained parts of the loan process I didn't understand.
I would definitely call on John again for my financial needs, he is an on the ball,
detail guy who can give you the answers you need.
I highly recommended for anyone looking for a home loan.

Steve Silverman
May 7, 2019
Executive Chef
It was a great support in the process on my home loan.
Aug 22, 2018
John provided fantastic support on buying our first home. The paperwork can seem overwhelming. John was with us the entire way. I'm the type that reads all documents. I had many questions and John helped answer them. He offered his help any way he could. He gave personal customer service. It shows that he wants to help people get into a home and call it theirs. I highly recommend John. You will see that he is willing to go the extra mile to help you.
Jul 9, 2018
John successfully guided us through the complex process of mortgage origination, with timely reminders at every step of the way.
Jul 1, 2018
Regional Fleet Maintenance Manager
Although we have not been able to complete the full mortgage process with John to date, I have much confidence in him. All interactions with him have been very positive and helpful.
Jun 27, 2018
Software Client Services
I worked with John to secure a mortgage for a new home purchase. John was extremely helpful in laying out my various options and the tradeoffs that come with each. He was very quick to respond from the first communication and all along the way. John's depth of experience was clear from the first conversation so I always felt like I was getting great advice. Once you get going, John also works hard behind the scenes to handle all kinds of details and handoffs with lenders. Obtaining a mortgage can be stressful and is not something most of us do very often so having a resource like John to work with, and who is in the details moving your application and origination along, is a huge asset. I really appreciated John's help throughout and won't hesitate to call him again if I end up back in the market for a loan.
Jun 5, 2018
I recently purchased a second home for my daughter to live in while away at college and for me to stay while on business travel. It had been many years since I last purchased a home and John helped me understand all of the changes and new requirements needed to document my circumstances. Since I was traveling from a different city, John met me at his office over the weekend to work through the details of my loan application. John always answered my calls and was quick to help me calculate the cost of all financial decision choices I made. John never made me feel like a pest (I called a lot in those last few hectic days of escrow) and he understood the urgency of my need to close quickly so we wouldn't have to obtain temporary housing until our transaction was complete. Thank you John!
Dec 29, 2016
Senior District Sales Manager
I would highly recommend John Varughese to anyone that is looking for a great professional expert in the lending industry. John goes above & beyond with his service and is very trustworthy. Definitely a person that I would call when the opportunity presents itself for myself or my family. Thank you John!
Sep 30, 2016
Branch Manager
John did an outstanding job for us. He went above and beyond what was expected in order for us to purchase our dream home. I will recommend his services any chance I get.
Aug 12, 2016
Production Manager
John has been a great help throughout the entire loan process. He is very knowledgeable and was able to answer all my questions. The entire process has been smooth and stress free.
Apr 25, 2016
Police Officer
John is one of the few professionals is his line of work that actually pay attention to details, listens and cares about his clients ( future or current ) opinions. John did an excellent job in my unique situation. I would like to thank John for his hard work and dedication. Because of John my wife and I have a beutiful place to call home.

M. Lucarevic
Apr 25, 2016
Police Officer
John is one of the few professionals is his line of work that actually pay attention to details, listens and cares about his clients ( future or current ) opinions. John did an excellent job in my unique situation. I would like to thank John for his hard work and dedication. Because of John my wife and I have a beutiful place to call home.

M. Lucarevic
Apr 16, 2016
Executive Vice President
My husband and I are now using John for our 3rd mortgage and would not consider using anyone else.
He is the best in his field! We appreciate his knowledge of the different products out there, his proactiveness and availability when we need to talk with him and most importantly his honestly and integrity when recommending a loan.

Dec 28, 2015
Chief Development Officer
John was a pleasure to work with. He was accessible, professional, and provided excellent customer service. As I transitioned to a new job in a new city, John worked hard every day to help us close escrow in 20 days!
Dec 28, 2015
John helped us get financing for our purchase with an almost seamless process. He was always a phone call or text away when we had questions. His experience and expertise in the industry helped us get the financing we needed for a home that was perfect for our disabled daughter. Without John, I'm not sure we would be in our home. Thank you John!! We would highly recommend him for all your home financing needs.

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