My friend and Realtor Jen Beehler with Elevate Group, referred me to Rob McCarthy with 101 Loan to help me with the purchase of new home. From the start to the finish, Rob and his team went above and beyond to help me with the process (making it as smooth as possible) and offered the best rates and lowest fees on the market. He and his staff were always available for any question, big or small, even on weekends. They were amazing to work with and my "go to lender" for anything financing in the future. If you're looking for a great mortgage broker or lender, look no farther than Rob McCarthy at 101 Loan. He's the best! read more

Rob and Renee did a great job helping us buy our home. I appreciated the time they took to explain all of our options on how to obtain financing. During the offer construction process, where minutes counted, we were able to get on the phone with Rob quickly to discuss strategy and make adjustments to make sure that the loan wouldn't break the bank, so to speak. When the offer was made, the team also lent their support to reach out to the seller and reassure them that we were in a solid position to meet our obligations. Going with Rob and Renee gives a level of extra service and responsiveness that can go a long way in a competitive market where time, relationships, and market knowledge count for everything. During the contract process, they executed everything smoothly and seamlessly, resulting in a drama-free transaction. Overall, we were very satisfied with their work. read more

I have bought two homes with help from Rob and Renee. And I plan on going to them for the next one. I highly recommend 101 Loan, especially if it's your first home. They have great communication, will find you the best rate, and they are very efficient. You can't ask for more! read more

The Thanksgiving Miracle, My husband and I had just had a baby and were in the middle of escrow with a large company recommended to first time homebuyers by the state of CA. Then the loan officer ghosted us after promising the Sun, Moon and the stars aka closing on time to appease the seller. After multiple messages and calls to the loan officer with no response I didn't know what to do. The seller was frustrated, we were scared we were going to lose the house, and this was our first time buying a home so we had no knowledge of how to get out of the hole the mortgage company abandoned us in. Then my in-laws recommended a man named Rob McCarthy. As soon as we talked to him the anxiety started to fade. He told us it was going to be difficult to close our loan due to the complication, which is probably why the other loan company bailed, but he would make sure to do everything he could to make it happen. I was a little skeptical as I heard that before. But, he ACTUALLY DID!! Rob and his incredible Senior Loan Associate, Renee, overcame every obstacle, spoke to the seller to reassure them, worked with us everyday, and then right as we get to the finish line (escrow) there is a major hack affecting sales all over the country. Our purchase agreement was going to expire, the loan lock we extended twice was set to expire, Rob was on his Thanksgiving vacation out of the country. I had essentially lost all hope. But, Renee got the lender everything they needed and from an ocean away Rob stayed in contact reassured us, calmed us down, walked us off the cliff and demanded escrow figure out a way around an incredibly difficult situation and because of the wonderful relationships he has built they did just that. The night before Thanksgiving we got the text that the incredible escrow officer and a team of 5 had worked nonstop and got the title transferred just before the expiration and the house was finally ours. It would take a novel to explain everything Rob and Renee had to overcome to make this happen, but just know if they can make it happen for us when all the cards were against us and come out with a full house they can make any dream come true. They are the dream team and it isn't because they sell you what you want to hear but because what they say they actually make a reality. Thanks to them our baby girl will celebrate her first Christmas in the home and hopefully many many more after that. Thank you for our family Thanksgiving Miracle! read more

I worked with Mitchell Stelling on our loan, he's part of the 101 loan group. Mitch was so great to work with, despite his young age, he came equipped with knowledge and gave us great resources. The Real Estate Market was not in our favor, however, Mitch rallied alongside us and was able to find us options. He was quick to answer our questions, always available when needed. I cannot thank Mitch enough, he worked tirelessly for us, and we ended up in our dream home - hard to do in this market! Thank you, Mitch! read more

Once again, a fantastic experience with Rob, Rene and their team! We approached him with an urgent and distinctive issue that other lenders disregarded. Not only did Rob assess it, but he also devised a solution benefiting everyone involved. He secured the lowest interest rate achievable and swiftly finalized the loan. Rob remains my top choice for all lending needs; his team comes highly recommended! read more

If you don't know Rob McCarthy and his team from 101 Loan, allow me to introduce you as it's truly my pleasure. Rob and his highly skilled lending team are experts at residential and commercial lending, as well as refinancing and reverse mortgages. Rob has developed relationships with over 45 lenders so he can truly get the best package for his clients. When he couples that with his ability to provide outstanding service and close quickly, it's the perfect trifecta for his clients! Rob and I have known each other for nearly 18 years. During that time, we've worked on 100s of client purchases together (yes, I am a Residential Real Estate Broker). There has never been one that did not close. Sure there are bumps, but Rob and his team are experienced and equipped to deal with things that can happen with so many moving parts in a transaction. They also really understand the seriously competitive and crazy Silicon Valley real estate market. We've not only successfully completed client transactions together, I've also worked with Rob and 101 Loan on our personal home financing. I know that when Rob says he's going to do something, it absolutely gets done! I can put my name on it. He's very well-connected in the Bay Area and beyond and never hesitates to help someone out. I highly recommend Rob and his team from 101 Loan, from multiple professional and personal experiences in working together! read more

Rob, Renee and the team at 101 Loan are true professionals. They helped me with a first home purchase and made the process very simple. They were able to get the best rate, they work fast and they're very responsive. At one point, Rob was on vacation but still made himself available to help. Highly recommend. Thank you Rob and Renee! read more

We've worked with Rob & Renee for two home purchases and one refinance over the last 6 years. Even having worked with them and had nothing but positive experiences, I still do some due diligence and shop around for rates/terms/service but I haven't found a better team/solution yet! Most recently they helped us with a home purchase and Rob was very helpful in brainstorming different financing solutions based on our situation and desires. He has always taken the time to answer questions (even the simple ones) and is great with follow up via email or phone call. They were even ready to finance ahead of the typical 30 day closing period, but our realtor wanted to stick to the 30 day timeline! I plan to refinance again in the near future assuming the rates are right and I'll be heading to Rob & Renee. (one of these times I should actually meet them in person! everything has always been done electronically/remotely!) read more

Rob and Renee were very helpful and responsive throughout the whole process. We were first home buyers, and hope to work with them again in the future! read more

My friend, Bill Gates referred me to Rob McCarthy with 101 Loan to help me with a lease to own purchase on a property I was purchasing. From the start to the finish, Rob and his team went above and beyond to help me with the process (making it as smooth as possible) and offered the best rates and lowest fees on the market. If you're looking for a great mortgage broker or lender, look no farther than Rob McCarthy at 101 Loan. He's the best! read more

Rob from 101 is a trusted advisor who really looks after your best interests in finding the funding vehicle that is right for you. I highly recommend! read more

Mitch and team were excellent to work with. I made a friend out of the experience. Mitch worked tirelessly for a few months as we lost out on countless offers until we found the perfect place to call home! read more

If you're looking for a seasoned and knowledgeable loan officer, look no further than Rob McCarthy. He is dedicated to client satisfaction and well-respected in the local business community. He's also just a nice guy who is always up for a good conversation! Give him a call. read more

Where do I start , I was so please and thankful for such a. Professional job done by Rob and Renee and there staff. Being a first time buyer I had a lot of questions to ask and not once did I ever feel like the staff was frustrated . From start to finish it was such a great experience . I will definitely be sending all my friends and family to 101 loan mortgage. Thank you so much for your time Rob and Renee and staff . Steven Munoz read more

101 Loan - Home - Mortgage Lenders Near Me - San Jose, California

Talk about follow through and customer service! Rob and Renee are an unbelievable team. The took on the challenge of helping me refi my house. They where able to deal with complication after complication with grace. Renee was my main point of contact and she has great communication skills and replies quickly. Last week the new loan was funded! Because of the new loan I am saving money. I can finally rest, knowing that my house is in a good loan. Thank you again. You are have both been incredible. read more

Just closed a loan, have to share my positive experience with Rob and Renee. Below are my comments. Although all these aspects should be the default for loan agents, in reality you don't always experience it that way. Would definitely work with these folks again. - Professional. They understand the industry inside out, and understand guidelines throughly. When we try to win the contract, Rob also was really responsive and provided all the timely help. Once they collected all docs Renee listed, we didn't have to go back and forth with lender for additional documents. - Fast. They have very good turnaround time, when working with Renee & Rob, things just keeps moving forward. - Communication. I worked with many lenders before, Rob and Renee are very responsive, and clearly communicates the timeline. Great pleasure to work with them, taking so much of the stress and uncertainty during the process away. - Flexible. Since they work with many lenders, they have the flexibility to choose the best one with the guidelines works for us. read more

Rob, Renee and their team were amazing! I had a complex refinance and couldn't find a lender. Rob is extremely good at thinking outside the box and finds creative solutions. Thanks to him, I was able to refinance my house and throughout the process he and his team guided me through everything. I highly recommend Rob and his team for any mortgage need. read more

101 Loan Mortgage helped us close on our home. Our situation was a little unique because our car was totaled a month before we were closing and we closed at our credit limit. Therefore, although we were preapproved since we made a purchase of a car after we were preapproved there were extra boxes for us to check. On top of this we were on the pace to close in less than 30 days from making the offer. 101 Loan made everything happen for us. On top of managing our unusual situation they offered us multiple loan options with competitive APRs and raised a flag when I made a decision in haste. Rob informed me about the reasoning for the differences in loan structure and we thankfully altered our choice. Additionally, the closing costs were surprisingly low which was an incredible surprise since we were putting everything we had to get into our house. A+ business. read more

101 Loan teams great! Everything when through smoothly without any issues. They answered all of my questions within minutes. They were able to waive our home appraisal and save us some money. We got a great rate at no closing cost. We've been a repeat customer. Thanks again for all your teams help! read more

Rob and Renee were amazingly responsive and effective in securing a loan under 3% and at a higher purchasing amount than other lenders we talked to. My wife and I are both self-employed first-time homebuyers, and they were instrumental in helping us navigate the new strict borrowing rules put in place due to COVID. With their help we were able to close in less than 3 weeks. We are so grateful for Rob and Renee for their hard work! read more

I've been looking for a new mortgage since rates have dropped to historic lows in recent months. I probably emailed 10 different mortgage brokers and 101 Loan Mortgage was by far the most communicative, responsive, and professional of them all. Rob McCarthy responded immediately to my email. He offered candid and helpful advice on how I could qualify for the best possible rate. He offered professional help on what I could do to amend some credit history issues that would reflect bad on me, and reduce my chances to get the most ideal rate for my situation. Fast forward 4 weeks, I emailed Rob with another question. He responded within minutes. This from an organization and individual that has not collected a dime from me. Thank you Rob and 101 Loan Mortgage for your professional courtesy, advice, and responsiveness. You will certainly get my business! read more

Rob and Renee are nothing short of awesome. They are incredibly busy people, but we felt like we were their only clients. They were always available when we wanted to brainstorm lending options or when we needed crazy-fast pre-approval letters or loan information. They successfully closed on our home EARLY. Rob is incredibly knowledgeable of the market and what's possible. He's a creative broker who works hard to make sure he finds the best option for your individual situation. Renee is super organized, VERY responsive and excellent in her role. Not to mention they are both just pleasant people to work with. When we told our realtor we were working with them, they were excited because they know 101 Loan performs well and they wouldn't have any issues in escrow. We'll be using them again when we refinance or purchase our next home! read more

Rob McCarthy at 101loan is as good as it gets! I met him as a referral from a Realtor. This Realtor is well respected in the community and has been doing business for over 30+ years. I met him first, to discuss financing options, learn the differences between a direct lender and a mortgage broker. He was very helpful, honest and transparent. I appreciated his honesty and his willingness to devote time with me. In this business of personal information, it is so important to trust your lender and that they are willing to meet face to face was exactly what I needed. Thank you! read more

Saved me thousands. Great interest rate. Responsive and they act quickly. They are also very knowledgeable and help out people with all budgets. They underpromise and over deliver. 11/10 read more

Wow! I don't even know where to start. Renee and Rob are AWESOME! I am a first time time buyer and could not have had a better experience. The process was long and I was relatively confused at times, however, Renee and Rob answered all my questions and concerns! Every detail was so clear in making the process simple. Whenever I sent over a question via email, they would reply within minutes. The close of escrow is today on our home and time really did fly by! Thank you 101 Loan team!! I would recommend for everyone to utilize the knowledge and aid of 101 Loan. read more

101 Loan is the best mortgage broker that I have dealt with so far. They are true professionals and extremely knowledgeable. I was shopping for a multi-unit mortgage and luckily found them after my offer was accepted. They offered the best rate and the entire transaction completed without any drama. They asked for all relative documents up front which made the process extremely smooth during the closing time. Rob and Renee are very responsive and they kept me posted during the entire process. If you are looking for the best rate and a smooth transaction, contact 101 Loan Mortgage. read more

Rob and Renee deliver exceptional service. Extremely thorough, great follow-ups, fast responses. Renee is someone I have gotten the confidence to trust as she is super knowledgeable, responsive and provides unbiased advice. Rob found things on my credit report that were negative, but could easily be removed. His advice was critical in correcting the discrepancy to get a higher credit score. We were very tensed for a short period during the closing process with them, as the account was handed over to someone new (as Renee might have been busy) and stuff starting getting slowed/dropped. I reached out to Rob voicing my worry. He brought in Renee again to help-- who picked up the account at great speed and closed our loan on time. We are now living in our dream home, thanks to the 101loan team! :) read more

Rob & Renee are a pleasure to work with. They are super professional, always respond to email questions and have all of their process, policies and paperwork highly refined and down to a science. This is the second refi I've done with them and I highly recommend them. read more

Rob and Renee are amazing, they are definitely the best mortgage broker out there! Responsive, great communication and customer service. They can do what most lenders can't. If you have some financial hurdles and think you can't buy, don't give up too soon, talk to them first and you'll be surprised at how they can help. They are definitely the first lender on my contact list. Can't thank you enough to both of you! read more

We just purchased our first home, and we couldn't be more thankful to have Rob & Renee behind us every step of the way. The process from start to finish was smooth and they were always available for any questions we had. The fact that they work with so many lenders was helpful as they were able to lock us in at a great rate. Thank you Rob & Renne!! You two are great at what you do! Not only did Rob & Renee help us lock our loan, but they also referred us to the best real estate agent! John Fagan was so awesome to work with. He was professional, patient, knowledgeable, and ALWAYS had our best interest at heart. Overall, Rob, Renee, John, and their team made our first time home buyers experience exciting and as stress free as possible and we couldn't be happier with their services! Thank you all! The Adame Family read more

Rob and his team was great for our home buying process. He ultimately helped us close on a property! He was very thorough in explaining all the different pros and cons, and had a much wider variety of options available compared to some other lenders and banks, which offered a lot of flexibility for us. His team was also extremely responsive through out the whole process. On top of that, given the market, we had to make multiple offers, and Rob never let a rejected offer deter his work, and worked with me and my agent every step of the way. Would definitely recommend him! read more

They only would let me put in 5 stars, but if left up to us, I would give them a few more. While most mortgage transactions are pretty simple - ours was anything but. Complex, confusing, just a lot of moving parts. Through it all Rob and Renee were calm, cool and very capable. They were able to make this very complex set of transactions go smoothly. And when things hit a bump, they were there to answer all our questions and get us through this process. We owe them much more than a dinner - our sanity. I would recommend them to anyone who needs a loan - period. They are just the best. I'll use them again when we need a load (simple or complex). We are very happy customers. read more

I provided 101 Mortgage with my information for refinacing, but it has been 2 weeks and no follow up. Not a great experice at all. Will be working with another broker who will follow through. read more

Renee and Nick were both great to work with. I ended up going with a different company in the end because my boyfriend had worked with someone else in the past, but all of my interactions with 101 Loan Mortgage went very smoothly. They were incredibly responsive and knowledgeable. I could tell they really know their stuff! read more

We were recommended to Rob by our realtor and we are so glad we used his services to finance our home. The buying process is very stressful in the Bay Area and getting approvals for loans and meeting the right deadline of performing when under contract can make or break a transaction. Rob and his team and very knowledgeable. We pestered him and his team with questions throughout the process but he was always quick to answer. There are a lot of gray areas in loan approval process but Rob explained the whole thing to us very well. We did get a good rate, thanks to his connections with 50+ lenders and were able to close in time during a difficult holiday period. Special thanks to Rob, Renee and Dan for working tirelessly during the holiday season! Highly recommended. read more

*** UPDATE***So, I think their rates changed because the lender plays these tricks of increasing their interest rates once the credit report and majority of the paperwork is filed. I guess, they were quoting exactly what the lender was. Their rates changed the same morning and after my realtor spoke to them and the loan suddenly become 0.175% more expensive and half of what was offered was reduced in the first place towards closing costs. All in one morning, especially when the market hadn't changed. Hence, I had to shop around. In addition to this, they messed around with our appraisal, wasted a week getting it, charged us twice. Also, our realtor had connected us with Silicon Valley finance group, who are the same people as 101 loans and have a bad rating. Hence, I wasn't going to work with them. So, I am not surprised to know that she'll use them in future given that she worked with them in the past. read more

Wanted to add an update to my previous review. Decided to go through a refinance with Rob, Renee and the rest of the staff at 101 Loan. Everything went extremely well, always kept in the loop during the process and they take time to explain every step of the way. Would definitely recommend 101 Loan to anyone looking to purchase a house or refinance in the future. read more

For most of my life I didnt care about my credit, and 2 years ago when I started to try and fix it I knew I had a long road ahead of me. When It came time to buy a home I had a very difficult time getting a loan, even though I had 20%. B of A Denied me. Wells Fargo Denied me. Rob and Renee were able to find a lender who would accept my less and perfect (to put it nicely) credit score and still give me a good rate with very low closing costs. I was VERY nervous throughout the process but Rob and Renee held my hand every step of the way. They probably spend 5x the normal time with me because of my situation. In the end, everything Rob promised me he delivered on. I am now the proud owner of my very first home, and I think Ive made a friend in Rob. (He wants to teach me to golf) read more

I just refinanced my house with Rob & Renee and I got a great rate, paid very little out of pocket costs, and the process was quick, just over a month if I recall correctly. I honestly had no idea what I was doing but Renee walked me through the whole process, explaining everything, and she did a good job keeping me informed when I had lots of questions about the process. Most of our business was conducted via e-mail exchange and telephone calls and Renee was responsive to my phone calls and got back to me quickly when I needed to talk. All in all, a smooth process and I would definitely recommend this team to anyone else I know that wants to refinance or buy a house! read more