Me and my wife are first time home buyers. I got referred to 101 Loans by my Realtor who has worked extensively with them before. We were looking for someone who could close a loan in 14 days flat and make our standard offer look attractive in this all cash bay area real estate market we currently are in ! And boy did 101 Loans deliver! Right from the second I went in contract to getting the keys in hand, Rob/Renee and his team at 101 Loans have been blazing through the procedure of securing a loan and funding it on time. If you have your documents in order, I wont be surprised if 101 Loans even pulls this even quicker than 14 days! Extremely professional, honest and "it is what it is" type team. No false promises and very transparent transaction making it a real fun and non stress free experience. I would highly recommend 101 loans for your home financing needs without second thought Thanks once again Rob & Renee!! 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

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

My husband and I purchased our first home through the help of Loan101, who was referred to us by our RE agent, The Dawn Thomas Team. During our first phone meeting with Rob, he was explaining some of the calculations to me. (With loans/finances/etc., my brain usually stops listening by the second line item). But, even with my extreme right brain and him explaining on the phone, I was able to follow at least 25%. To me, that's pretty incredible. That night, I told my husband, we are going with Loan101. Of course we didn't choose Loan101 based on just that. They have a lot of experience and are connected to over 40 lenders. Loan101 was professional and efficient during our process with the lender. Even when the lender was giving us a headache, Loan101 was the buffer (and an efficient and professional one at that) for us and they made the process much more easier than it would've been without them. I couldn't be more happier with their service and I am so glad that we had them on our team. read more

First a little background... I have a short sale in my past so my credit could have been much better but even with some history on my credit record Rob was able to find me a loan and closed a week early. I worked with Renee Stephens the senior loan coordinator and have nothing but the best to say about her. She always got back to me on question super fast and was excellent to work with. I would suggest 101 Loan to family friends and anyone that want a great loan done by great people. Kenny read more

Rob and Renee are a great team and I can highly recommend them to anyone looking to finance or refinance a mortgage. They communicate well, are highly knowledgeable, and know how to close a loan quickly. My wife and I are very grateful to have met Rob and to have had the opportunity to work with 101 Loan. read more

5 star is not enough!! For my first home, I got pre-approval in 2 days. Not only amount and per-month, but a detailed worksheet of tax savings worksheet (likely) and net payments/month. Locked on a house on 29/July (Fri). Closed the Escrow on 25/Aug. All options provided - yes Best option recommended keeping in mind no loan contingency - yes Response time for emails - ~30min (if urgent), ~3hrs (if unimportant) Can deliver what they say - yes Friendly and professional staff - yes Thank you Rob, Renee and Dani. You got a customer for long term. read more

Rob and Renee did an excellent job start to finish. Before starting to work with Rob I had applied at Wells and BofA. Neither could come through for me because of an employment gap and lack of two years on my current job. From my first conversation with him, he inspired confidence that he could make the loan happen and he absolutely delivered. We closed escrow today and couldn't be happier with our rate and terms. Rob and team demonstrated extreme patience with all my "what if" scenarios and for the year that we were searching for a home they never, ever made us feel like we were any trouble at all. By the way, I was in the mortgage business for over 15 years and I know my way around the banking world. I even owned a mortgage brokerage for 2 years. I know all the scams and tricks. Rob is about as straight a shooter as they come. His straightforwardness is rooted in his integrity and commitment to do right by you. And Renee was always there to see to it that things happened when they needed to. Just a great experience. Thanks! read more

I recently closed with Rob at 101 Loan. They did a phenomenal job! I had a jumbo purchase that needed to close in 25 days and they closed the loan in 23 days. My agent and myself were amazed by the quick closing, super smooth process and a super low rate on a 7/1 at 3.25! I will refer all my friends to Rob in the future that want to buy or refi. Don't use any other broker or lender for your financing needs! read more

I have known Rob for nearly 10 years now and he is an experienced, responsive, knowledgeable and friendly Mortgage Broker. He and his team are very competent and communicative. I recently just closed a purchase for a great client and Rob facilitated an on-time, smooth, and easy loan process for my client (and myself). I would highly recommend Rob at 101Loan. He knows his trade and is a noteworthy company to seek financing if you are in the market to buy or refinance. He offers a variety of residential and commercial loans. Give him a try, you won't be disappointed! Thanks Rob and team!!!! A+ read more

I was really impressed by Rob and his team at 101 Loan! They pulled through and went above and beyond. I would recommend 101 Loan Mortgage to any and all who are looking for trusted advisors! Thanks Rob and team! read more

Rob and his team were absolutely amazing. Rob was on vacation and out on a Sunday but still made himself available to me and provided everything I needed to get my offers in! He even talked to the seller's agent to help strengthen my offer in a very competitive market. Do yourself a favor and go with 101Loan. You will NOT be disappointed! Thank you, Rob! read more

a fried of mine referred us to 101 loan, Rob, Renee and Danielle, were great to work with, they were on top of everything. We were able to close in about 17 days, they were fast and responsive. Definitely impressed by their work. Thank you very much. I would recommend them 200%. read more

We love this team! Rob, Renee and Danielle are all great, responsive, attentive to details, and extremely knowledgeable. Thank you for everything and getting us into our dream house!!! read more

I would give them 5 and half stars if it was possible. I had a very complicated situation after my divorce and foreclosure. Renee was by me every step of the way and fought hard to get me a wonderful rate. Look no further,I think this is the best brokerage in the South Bay read more

Rob and Renee are awesome! I have used their professional services previously for a re-fi, but this time it was for an original mortgage - and it was a bit more complicated. Having recently divorced, and still having my name on the mortgage with my ex-wife, they guided me through the process of not having that mortgage payment (which my ex-wife pays) count towards my debt-to-income ratio, and got me pre-approved for a mortgage, which in this difficult bay area housing market is a near necessity to win a listing. I ended up having an offer accepted on a quick 21-day closing, and them being so organized and knowledgeable, we nailed it and got it funded, despite the short timing. Rob and Renee really know their stuff and can handle complicated cases like mine. I highly recommend their services, regardless of your particular situation. They were certainly able to handle mine! read more

Our real estate agent recommended Rob as a lender she had worked with for over 15 years with local knowledge of the crazy Silicon Valley housing market. Rob and his team worked with us to have all the pre approvals in line so we could quickly turn around an offer when the perfect home hit the market. Rob's personal approach to calling the seller's agents helped make our offer more competitive. We closed our home sale a day early thanks to Rob and his team. We were very happy with the end result and plan to work with him again! read more

Rob and Renee were amazing in helping me get a loan very quickly. I had been denied over and over from other lenders and 101 loan was able to make it work. These folks work fast, they are professional and pleasant to work with This was definitely a five-star experience read more

Rob was referred to me by friends who had their home purchasing and financing done by 101 Loan service in 2005. They love Rob's efficiency! With Rob's 101 Loan service and Renee's excellent assistant help, the funding process for my home mortgage was extremely fast and smooth. As I was a first home owner, I didn't know what to do but they walked me through every step on the way from applying, getting approval, fund transferring and got to the escrow; they even email me a reminder of my first mortgage payment due date, how awesome was that! Everything was done remotely via emails.;) How cool can that be?! His e-service is perfect for me who has a full time working schedule. So I refer 101 Loan to all my other friends, families and coworkers who are or might be in needed of financial service. Oh, I also encourage my friends to share their experience with Rob's service on yelp so you have more people with other opinions. By the way, as the starter, you can sign up for Rob's weekly financial report and see if you find it helpful or not ... so you don't have to feel that I'm advertising for 101 Loan. :) Believe me, I have only met Mr. McCarthy once and I don't think he even remembers me. - Viii, spreading out the goodness! read more

101Loan team are super professionals. We received keys from our house just 2 weeks ago. We were first time buyers; and everything went absolutely smoothly. We were pre-qualified in 10 minutes; pre-approved in 1 hour; loan contingency was removed in 12 days; and closed in 20 days. And they can do even better - we had one long weekend and 1 day delay from our seller! No need to say that we got very good rates and conditions. I would like to emphasize perfect communications. Rob and Renee were always available for our novice questions. But nobody bothered us without real necessity because they worked directly with our agent. We expected this process to be really frustrating and painful, but with 101Loan it was easy and even pleasurable. Thank you, guys! read more

Rob is great guy to work with reliable, knowledge, honest and on top of that he has awesome team that they are always there to answer your questions and concerns. if you are looking for mortgage and you don't want get ripped off by many new people in business call him thanks read more

Rob, Renee, and the whole team at 101 Loan make it happen! I know when I refer my clients to 101Loan, they will receive professional, courteous service and, most importantly, get the best interest rates I've seen from any other broker or direct lender. Rob really cares about his clients, co-workers, and professional colleagues and it shows in his work. Rob & Renee are always great to work with. read more

Rob, Renee and Dani are great. They were able to get us pre-approved in record time, and presented a small bouquet of loan products for us to choose from. We even changed our mind on which product we wanted to go with well into the contingency period, and they worked with us to make it happen. Renee was incredibly helpful, talking through the various options and answering our (many) questions. Thumbs up for 101 read more

Very impressed with the loan refinance I was able to get through 101 Loan. Renee, Danielle, Nick and Rob were all so helpful and filled me with confidence that everything would go just fine, and it did. Renee and Dani were especially attentive and always there to answer my questions and help guide my way through the document jungle! Highly recommended! read more

Rob, Renee, and Danielle are fantastic! As first time home buyers, my fiancé and I were unsure of the loan process and required a ton of guidance. We felt well taken care of throughout the entire process. The team at 101 Loan were all quick to respond to emails and did not make us feel bad for needing things explained (multiple times). Rob and team are professional, attentive, detail oriented, and patient. Then got us an amazing loan AND we were able to close in just 3 weeks! We highly recommend them! Thank you for helping us become home owners!!! read more

101Loan did a great job with us when my wife (Jenny C. below) and I were buying our first place. Renee was quick to respond to our many emails and Rob was able to easily answer all of our questions in easy to understand lingo. I am especially grateful for 101Laon because our lender was an absolute nightmare (Provident Funding Anaheim) and they worked very hard to make the fiasco tolerable. read more

I consider myself a difficult person to please, and I expect those providing any type of consumer service will provide excellent customer service. I am very often disappointed. When my husband and I decided to refi our home, I was not looking forward to the experience. A friend referred us to Rob. He was prompt to return my initial email and took time to answer all my questions. We did some shopping around and decided to go with Rob at 101 Loan. Why? I felt like Rob was an honest business man who I could trust. I didn't get the runaround from him like I did from another lender (our bank that held the loan we were refinancing.) Also, his rates were very competitive. From the initial intake to loan funding, the process was completely stress-free. During the process, frequent updates were provided and everyone we communicated with was extremely professional. Top notch service! read more

Only the best to say about this company! Rob&Renee were absolutely amazing at helping us out with setting up the loan.. Good communication, quick to respond and tech savvy so we were always up to speed! Definitely recommend! PS: All our interactions were done without actually meeting them face to face-- not a glitch in the process. read more

In the middle of selling our home, my husband and I decided it was time to proactively look for a home we can raise our new family in. In typical fashion, we directly talked to a bank to get our loan process started. The rates and terms they gave us were ridiculous. On the advice of a coworker I decided to Yelp Mortgage Brokers. There was no way I could ignore 101 Loan Mortgage because of their fantastic Yelp reviews! I reached out to Rob and started the process. From start to finish, it was seamless. We got a great rate and the process was smooth. He and his team were so easy to work with. I would highly recommend them and I would continue to use them in the future for any future homes we buy. We never even had to come in which is great because we aren't really close to the area where they are located! Hands down go with 101 Loan Mortgage, you won't regret it!!! read more

I found this company on Yelp and based on good reviews decided to use them for refinancing our property. My husband and I are really happy with the results: - we got very competitive interest rate - process was very smooth and stress free - very professional, helpful and responsive We'll definitely use them in the future! Thanks, Rob & Renee! read more

Rob, Renee and their team were amazing to work with! They were fantastic at explaining every step of the seemingly complicated process of applying for a home loan very clearly, and made it seem not so overwhelming! They helped us answer every single question we had in a very timely fashion. They got us the best possible interest rate for our home loan as first time buyers, and we simply couldn't be happier with their services. They've taught us a lot through the process and truly have helped make our dream come true. I would recommend them to anyone looking for a reliable, compassionate and hard working lending team. Thanks again for everything! We loved working with you guys!! read more

They need to work on their rapid fire email habits, and shorten some of those email signatures. Everything else, 5 stars!

I started with these guys because of all the five star reviews, I was pleasently surprised , They lived up to all of them. They were quick and delivered what they said they would do. A big thanks to all of them. read more

Rob, Renee and Danielle were easy to work with and helped us finalize our new loan in record time. We had easy access to all of our financial documents and this made the process go very smoothly. When we had a small difficulty the team was on to it very quickly, solving the situation. heather S Two thumbs up! read more

OMG!! This Team is AMAIZING!!!! They helped me get a loan which I thought it was impossible. Rob is super knowledgeable, caring, smart and just awesome. His whole team is super efficient. I highly recommend them! They are the best. You wont be disappointed! read more

This is a little bit overdue but Renee and the Staff at 101 Loan Mortgage locked me in and delivered exactly the loan I was looking for on a 30 year fixed. There were absolutely no hidden fees that had not already been disclosed. A friend of mine who lives close by with a similar mortgage locked in too with 101 Loan Mortgage with the identical loan at approximately the same time and we both agree that we couldn't have done any better! read more

Working with Rob at 101 Loan Mortgage is always great. We have seen consistency and professionalism in every communication from both Rob and Renee. They definitely make a great team in getting your mortgage questions answered accurately and effectively. Be it our home buying or refinancing needs, they have always been effectively navigating through every hurdle in ensuring the financing needs are met. I would definitely recommend them. read more

Visited a BofA and spoke to three other lenders about getting a pre approval letter and getting rates to compare it to the in house lender of our home. Rob was the most informative and thorough out of all the lenders I spoke to. He was patient and courteous as I had a million questions to ask. I definitely look forward to speaking to him again when we close. read more

Thanks 101Loan for smoothing the way to a great refi even in these ridiculous times. Lenders have swung the pendulum so far to fiscal convervatism that it is ludicrous, but Rob and Renee made the financing happen despite all the foolishness of lender requirements. read more

I want to thank to all of you,Rob, Renee, Christy, in helping me to get this house, thou we had a little rough time. I had gone thru two lenders, two realtors, before I came to you. I was failed to get final loan approved for the previous house. All of you are special. I would strongly refer my friends and co-workers if the are looking to buy houses. Thanks Tommy read more