Olga Zagulova - Licensed Mortgage Loan Officer - NMLS 2075707

Another Successful Closing! Thrilled to share that we closed a fantastic deal today! Our buyers got this beautiful home, and we were able to negotiate $25K off the listing price and secure $10K in concessions to permanently buy their rate down to 5.5%! According to , my expertise made the entire process incredibly smooth. ☺️ We are so grateful for such a great team effort. Feeling truly excited for our buyers as they start a lovely chapter in their new home.

Help me welcome new loan officers to my team!

Lais DeCastro
Lais DeCastro is a new mortgage loan officer at ZPM. Previous experiences include relocation industry and sales. She is Brazilian and fluent in Portuguese. Her main professional interest is to assist others and deliver excellent customer service. Her background in international operations ensures that she excels in multi-tasking and managing complex transactions for diverse clientele. Lais is licensed and located in Florida.

Heidy Perez-Phillips
With over 20 years of experience in real estate and home lending in the Denver area, Heidy Perez-Phillip is a trusted real estate expert in the Colorado market. As a licensed mortgage broker and real estate agent who is fluent in Spanish, Heidy offers a unique blend of financial acumen and real estate expertise, providing her clients with invaluable insights into the complexities of buying, selling, and financing properties. Her strong background in finance, coupled with her hands-on experience as a real estate agent since 2004, ensures that every transaction is handled with precision and care.

It was such a privilege helping this young beautiful lady become a first time homeowner. She was so sweet, patient, grateful and organized during the loan application that it made the entire process so positive. We were clear to close in 11 days for a condo with down payment assistance. Now this is quite a record to beat! With $10,000 in seller concessions, I was able to get her an amazing rate under 6%, prepay her HOA through the end of the year and her funds to close were $20! That’s what I call a Mortgage Miracle. We all shed a happy tear during closing. She’s not just a happy buyer, she is a happy client for life.❤️ Thank you Amy Bowen and Marianna Kempf for a smooth transaction!

Happy Closing Day! A young couple became proud owners of a beautiful house with gorgeous backyard and turtles! 🐢 Can you believe we were cleared to close in 5 days despite 4 different incomes? 💪 Dreams come true when you have the right people on your side 🥰🍾⭐️🏡

Closing Day! Another happy buyer who happened to reunite old high school friends! It was so fun working together and helping a client secure an amazing property. Jamik negotiated $10,000 of listing price and $18,000 to pay off solar lease by sellers! Happy to help a buyer get a wonderful house with a DSCR loan (no income check investment loan).

Another Impossible Loan Successfully Closed! This was quite a mission. First contract was terminated due to inspection and second condo complex had a pending litigation! Despite everything, we were able to get a great rate, close with conventional financing and the client is a happy first time home owner. Thank you to for your patience with translation and driving the client everywhere. Thank you to .l.bowen for your persistence with underwriting and HOA. We never give up on our clients despite all the obstacles loan process throws at us.

Another day, another Closing! Awesome buyers upgrading their property to a bigger one and in a glam Denver location. Such a smooth transaction, we were Cleared to Close in less than 2 weeks. Natalia Kanonerova negotiated $20,000 + in concessions and our buyers got an amazing 2/1 Buydown and saved tons on closing costs. They also negotiated a new roof and new sewer line, what an amazing deal!

Closing Day for a young and talented Doctor who is now also a proud Home Owner! 👨‍⚕️🏡 Cleared to Close in 11 days. ⭐️ Such a smooth and pleasant loan to work through. Thank you to the incredible Oleg Tsybulskiy for your support and enormous professionalism during this purchase! thank you for a smooth transaction

We welcome a new team member, Farzin Khalifeh, as a senior loan officer with ZPM Loans . Farzin brings 25+ years of mortgage and financial experience, is fluent in Farsi and is originally from Iran. He is licensed in Colorado and California states and is ready to serve all of your mortgage needs, including reverse mortgages. Welcome to the Team, Farzin!

Closing Day! 🏡 These sweet ladies, mom and daughter, decided it was time to add another property to their portfolio. Daughter, at age 21, is now a proud owner of her own condo! Their loan was not an easy one, we had issues with HOA, we had DTI and funds to close obstacles, and as the family said, if I wasn’t their lender, there is no way they would have closed. Love helping people and seeing their smiling grateful faces at closing. Special things to Amy Bowen for your patience and resilience as we worked miracles on the loan and to Natalia Kanonerova for finding a great property, negotiating $5,000 in seller concessions and we appraised $10,000 over purchase price. Your support during this transaction meant so much!❤️

Closing Day for a cash out refinance! My beautiful clients were able to change their mortgage into a 15 year term, get cash out and pay all of their debt! Aww the sense of relief to be debt free, I smile just thinking about it. Refinances are coming back and I can’t wait to help more people lower their bills ❤️

Tough chicks alert! 🔔 I believe universe sends us tough transactions because only we can and will handle them. This industry is not for sissies lol. This one was for the books and I am so grateful that Alexandra Iacovet was with me, side by side, deadline by deadline, to get through it. God knows, we have aged in the past month 😂 but gosh did we perform miracles. Property appraised $10,000 over purchase price, $5000 seller concessions for literally lowest rate out there, $12,000 in downpayment assistance and a 3 week close for all of it, plus condo desk review and inspection items. 😅 Another first time home buyer successfully converted into a home owner ⭐️ Amy Bowen, I couldn’t do it without you and our anxiety calls, so thank you 🥰