Rob and Renee were so very helpful through the entire process. I couldn't be happier with the service, pricing, packaging and more importantly the education I received. They were with me every step of the way not only explaining what was going on but keeping me informed on what the next steps were and when I could expect them. They even helped me with my tax payout from my previous mortgage lender. 5 Stars and my personal appreciation. I would HIGHLY recommend them to anyone... read more

Wonderful team to work with, Renee and Rob are incredible and there's no way we could have pulled off our re-fi without them. Highly highly highly encourage anyone looking to purchase or re-fi to work with 101. read more

Zero stars. I requested to INCREASE my lending power after I filed my taxes and instead they DECREASED my lending power by 22%. I have excellent credit, at least 20% downpayment and increased my income from the previous year by 61%. So they decided to decrease my lending power 22%; makes perfect sense. After I stated this was unacceptable, your response was "we don't make the rules, we just follow them". So great, why not offer alternative solutions rather than just immediately cut my lending power by 22% and say you're following the rules? Why is it that two other lenders who I'm working with now INCREASED my lending power by 40%? I'll be happy to share my approval. I'm glad you read your Yelp reviews, feel free to re-read the email thread for reference. So instead of just saying "all lenders follow the same rules", why not offer alternative solutions for borrowers instead of limiting their buying power. I manage risk for a living for the largest card brand so yeah, I do know how lending and risk work. Consumers and borrowers have many choices, and I will be steering my contacts far away from you guys. read more

We just closed on our first home and couldn't be happier with the prompt and professional service provided by Rob and his team. They made the daunting process of buying a house as smooth as can be, and I can't recommend them enough. After talking to my bank and hearing about the limited loan options they offered, I soon saw the benefits of working with a mortgage broker, and came across 101 Loan on Yelp. The reviews here convinced me to get in touch. Good call. After an informative introduction with Nick, I scheduled an appointment to talk with Rob, and he took the time to sit with us and patiently answered all of the questions we could throw at him. He walked us through the process - how he chooses a lender, how the different types of loans work, how rates can vary with the smallest of changes, etc. - all in a friendly and educational manner. He even put us in touch with a great realtor. When putting together an offer on our house, Rob and Renee put my mind at ease, providing a clear picture of what our upfront costs would be and the payments due thereafter. In selecting a loan, Rob presented several options and explained each one, so we could make an informed decision on choosing the mortgage that worked best for us. During escrow, Danielle was in constant communication, making sure every form and document were where they needed to be on time. And any question that popped into our heads was met with a quick and friendly response. From pre-approval to closing, the entire process was organized and on schedule. In all, working with 101 Loan made the mortgage process smoother than I ever could have done on my own. A big thank you to Rob, Renee, Danielle, and Nick for making it all happen. Highly recommended. read more

This is the second time I've used Rob and Renee to purchase a home - both times have been fantastic. This time was a bit more difficult due to the timing of the offer and getting the final approval with the lender. Rob and Renee worked diligently with us and with the lender to make the loan happen. As many have noted, Rob is very well connected with Realtors in the area and that definitely helped our offer. When Rob's name is attached to the offer, it's clear that Realtors know that he will get it done. read more

We bought our first home a few years ago. Being new to the process we'd debated working directly with banks and finding the best rate or working with a broker. Everyone seems to have their opinion on which is the right approach. I see it the same way I look at taxes. If your taxes as easy and straightforward, go ahead and do it yourself. I'm not sure this is ever the case with buying a home. Our real estate buying agent recommended Rob as she has to other clients. We went thru the process and of all the people we had to deal with on closing the house, he was by far the easiest to work with and understand. He laid everything out in spreadsheets and then walked me thru any questions I had, line by line. He told me what to expect from the parties we had to work with and it was almost like he was predicting the future. His cost and schedule were exactly what he stated it would be. He told me what to expect at each stage, so stress wasn't part of the equation. The downside to having everything go so smooth was that he made it look easy. So a year later when we went to apply for a HELOC directly, we realized how time consuming it can be to do this on your own. He closed a mortgage for us in less than 40 days. It took me over four months to close on the HELOC. Since then we have refinanced again, but thru Rob/Renee. Again, the process took around 35 days start to finish. He then also pointed me in the direction to swap out my HELOC for better terms and I ended up with a better rate and a closing that took 30 days. As others have mentioned, both Rob and Renee are fantastic. They make themselves accessible and meet your schedule. I'd recommend them to any of my friends. read more

Absolutely the best!!! We have done business with Rob since 2006. He initially helped us get the loan first back in 2006 and since then refinanced through him 5-6 times. Rob and Renee are absolutely the best in what they do and would be happy to do business with them again. Got us the best rates and we are very happy with it. Both Rob and Renee are very professional and reply immediately all our emails/questions. read more

While I have circumstances that make a re-fi impossible right now, I got the quick and absolute straight scoop and answers from Rob. In spite of the fact he was pretty skeptical, he still spent quite a lot of time on the phone and in addition, reviewed dozens of pages of documents in search of a solution. When the eventual re-fi does happen, Rob will be the first one I contact. read more

When I first went through a bank for a Home Loan, I felt like their Mortgage guy treated me as if I was nuisance and didn't really try and help me. They just wanted me to leave whether I was happy or not. Few years later I found Rob on yelp and figured why not try it and see if he can help me out. He answered my first email quickly and setup a face to face meeting. I went into it not expecting much but I ended up learning alot. He was able to break the process down so it was easy to understand and even gave me a few different scenarios so I could get a sense of what I could afford. Now onto house hunting and I can give a update when the process is finished! read more

Rob and Renee were on top of things from the get go. The service and communication were excellent. My recent experience with another company left me a bit frazzled, but after the initial consultation with Rob, I felt confident that this refi would go smoothly. Rob and Renee answered all my questions promptly and precisely - always a friendly and positive attitude, and always kept me informed throughout the process. They definitely understand the viewpoint of the customer and how different people have different situations. Definitely my first call for any future loans. I only wish I had found them sooner! read more

Rob is my go to guy for every loan. He has helped me with refi of both my commercial and residential properties. He is honest, professional and kind. He had my best interest in every transaction and I am forever grateful. I highly recommend Rob McCarthy. He will become your go to guy as well. read more

30-year fixed at 2.99%! My husband and I just refinanced our house with 101 Loan Mortgage and they were fantastic to work with. Their communication with us was clear and FAST. Our primary contact was Renee S., and she was super helpful and responsive at all times. If I sent her an email she would respond instantly. She even responded to multiple emails on a day that she was out on vacation! We had a tight timeline for our refinance, as a particular deal was available only for a short time and we had to close by a certain day. My employer was slow to respond to the bank for employment verification and we lost a couple of days in the process. We had to close by the end of a particular day, and the bank received the verification they needed around 4:00 p.m. Renee arranged for a notary to come to our house *two hours later* to do the final sign-off. We have refinanced our home multiple times over many years and this was by far the best experience we've had. Five stars for sure. read more

Rob and Renee were excellent at finding me the best home loan program as well as securing our loan. They made the process as painless as possible. I would recommend them for anyone. read more

We couldn't be more pleased with Rob and Renee's service! We have tried to refinance three times in the past several years with other mortgage brokers and banks - and after being strung along for months, we were ultimately turned down, despite our healthy income and credit rating. Rob and Renee both stuck with us, and helped us along in providing the necessary documentation and ensuring that all deadlines were met. They dotted all of the Is and crossed all of the Ts! We haven't worked with such a thorough, professional, and responsive mortgage team in decades. We would absolutely work with them again and give them our highest recommendation! read more

Rob and his team are very trustworthy and efficient. The initial preapproval process was very smooth, which allowed me to make an offer on time and got accepted. Then, Rob and his team helped every step of the way with the loan application process, communicating with me over email for required documents and status updates. There were issues with my first lender that we were not able to proceed with very late into the process. Rob was able to find a new lender very quickly, transfer my appraisal over to the new lender, and handle the process again on a very tight deadline. I really appreciated Rob and his team's service, without which I wouldn't be able to secure the house that I liked. I highly recommend 101 Loan for anyone looking for a smooth and reliable mortgage application service. read more

too busy administering yelp reviews to return calls I guess. I think a week is more than enough time, seems pretty unbelievable all these 5 stars with such a weak lack of response. Apparently a paid supporter for yelp (who seems to have crafted a perfect rating) all filtered out? REALLY??? so I am a liar now also??? just how do "track" all calls and determine if they use yelp, that's a good one, shall I post my phone record and describe your voice-mail, and how it says for immediate assistance press 1? for Renee, who also doesn't answer so I left a message there, where most probably do. Good Luck with that insulting the potential customer thing. read more

My fiance and I could not have had a better experience with the team (Rob, Renee, Danielle) at 101 Loan. We were referred to them via a glowing recommendation from my future father and sister in law and they did not disappoint! We specifically appreciated their timely communication, patience with our many questions (and as first time home buyers we had a LOT), and the diversity of options they offered after carefully considering our needs. This is all the more impressive given the hyper competitive housing market in the area. We will absolutely be returning to them in the future and give them our highest recommendation. read more

I have worked with Rob And Renee on many refinance transactions for both my personal residence and investment property. The latest transaction with them was to refinance my investment property to get a much lower interest rate than when I last refinanced it some years ago. As usual, after hearing my objectives, they put an excellent package together for me - in terms of a favorable interest rate, no points, and minimal closing costs. They continue to be responsive to my needs, and always respond to my questions promptly and with complete answers and solutions to any issues that surface during processing of the transactions. I will continue use 101 Loan Mortgage for my future needs, and will recommend Rob and Renee to others who are looking to find knowledgeable mortgage professionals who are a pleasure to deal with. read more

I came across Rob McCarthy through my friend whom Rob and his team helped for home loan refinance couple of years ago. My background, I had a short sale 2.5 years in the past on my condominium property with a caveat for my wife's business income was averaging a year and obviously less than 2 years as must lender require for a million dollar plus jumbo portfolio loan. With the mentioned caveats and pitfalls of less than 3 years of short sale and business income complexity (W2 to 1099 with S-Corp and so forth) My chances of getting the million dollar loan were very bleak for what I was targeting but with enough patience Rob and his team Renee Stephans worked hard, honestly, due diligently and committed sincerely to figure out two vendors who would do the loan for me. Renee was of great help as she spent numerous hours in doing the date mining, data analysis with my and spouse loan application and chunk of supporting documents. Renee was able to put together a final report work with the go no go Crystall clear conclusion, summary and recommendatio. She let us know the home purchasing power max value along with potential ARM rate and qualified loan program. Both Rob and Renee went above and beyond the call duty to help Mayank came out with a great proposal and advice to narrow down the options to help fully understand the situation and allow me to make a million dollar decision, indeed! This was an awesome experience, wallah. One thing I must say both Rob and Renee constantly and consistently follow up with me on a weekly basis to ensure my file gets reviewed, researched properly to come out with the proposal and decision making suggestions, recommendations. It was a wonderful experience with 101 Loan mortgage broker team and I would go back again with them for another round of real estate transaction. Once again ,I sincerely appreciate Rob and Renee great help and support to do complete research on our mortgage portfolio and checking with multiple lenders for limited qualified mortgage programs.I must say the team at 101 Loan, LLC is superb, wonderful and highly committed team. Guys go for them, what are you waiting over, get your real estate dreams come true and leave everything with Mr Rob and Ms Renee to worry and figure it out out. As simple as it can be! read more

Rob and Renee at 101 Loan Mortgage are fantastic. Recently I had to do a refinance on a house I inherited, so had never gone through a real estate loan. It was a VA loan so had additional complexity. They found an exceptional rate (in fact, it was so good that the bank they were competing with did not believe me when I told them the number). The process was about as easy as these can be. I strongly recommend you consider using their service. read more

Updating my past review, as I just refinanced with Rob & Renee (again), and their standard of service continues to be top notch! Excellent rates, service and communication throughout the process. They give you confidence every step of the way, with a transparent process and zero pressure. Highly recommend! read more

The whole team at 101 Loan are total professionals. They're super helpful and really know what they're talking about. We had multiple house closings fall through before we started working with the team at 101 Loan for our financing. Once we started working with this team, financing became much more clear, much more straight forward and they helped us get a mortgage when multiple other mortgage agents had failed. Can not recommend Rob, Renee and the team here highly enough. read more

When it came time to refinance my home, I choose to work with 101loan based on my experience with many lenders. As a Realtor, I have worked with Rob and Renee with many clients from all walks of life, and a variety of financial situations. I have seen time and time again that they go the extra mile to research different lender and different loan products to ensure the best fit and best price for their clients. There are so many factors that go into getting a client the best loan possible but also helping the Realtor position the client to create the best terms in today's highly competitive market. They jump at the opportunity to reach out to the listing agent when we are writing an offer and assure them that the buyer is well qualified and they can get the loan closed in a very short time period. This has enabled us to beat out other offers including all cash buyers time and again. But I am also writing, about my personal experience. We recently refinanced with 101Loan, and with my income being 1099, it is a much more difficult process. They helped me get all of the paperwork together, found us a great rate and we are now not only paying less than we had been, but we are also paying down the principal! So to sum it up, I highly recommend Rob and Renee at 101Loan based on both personal and professional experience! read more

I got the keys to my first house today and all I can say is that I owe the house to Rob and Renee's team! I was to close my house on 31st Jan with another lender ( Wells Fargo ) and they ditched me on 30th Jan with the reason being my H1B visa status in the country. Not to mention the fact that prior to that, they gave me a formal pre approval and a formal approval. According to many people that is like the worst mistake you could commit in a loan transaction. I will definitely vent my anger upon them in some other way. First thing I did is contact Rob since my agent knew him quite well and had worked with him before. Not only did Rob close down my loan in 8 working days, but he also helped me secure an extension in the first place with the seller which was a pretty difficult thing. I would like to add that my loan was a FHA loan and closing something like that in 8 working days is a very big deal. He also secured us a better interest rate than Wells Fargo. Rob's entire team was amazingly responsive to my phone calls and emails and did not let me down in any possible way! I would blindly recommend 101 Loan to anyone and everyone! You simply can't go wrong with them :) read more

We had a high-rate mortgage because we needed to close quickly back in 2013. Rates had come down and we wanted to refinance. I chose 101 Loan after meeting Rob; they made the whole refinance process extremely simple and got us an excellent rate. I can't recommend this place more to anyone looking for a first time loan or a refinance. read more

This is my 4th loan with Rob, Renee and team. I trust them like family--actually, more than family. They are incredibly professional, well connected, responsive, and effective at helping navigate what often can be an incredibly complex process. I would never look anywhere else for a home loan or re-fi. It's great to have trusted advisors like the 101Loan crew in a world where it seems like everyone is out to get "their cut" of the transaction. These guys really have integrity, and they're great at what they do. read more

Renee and the staff were very helpful and always quick to respond on issues involved with our re-finance loan. All transactions went smoothly and service and communication was excellent. read more

Excellence. What can I say...they were flawless. Great rate and way larger credit then we ever expected. Thanks Renee!

My wife and I were looking to purchase our first home and didn't really know where to start looking for a loan. I tried calling all the big name banks and mortgage companies but it was a waste of time. Half the people I called I left a message for which I never got a phone call back, and the other half of the individuals I spoke to came off very rude and over aggressive. I finally decided to check out Yelp for some guidance. Luckily I found Rob and Reene at Loan 101. The fact they had so many 5 out 5 star reviews really caught my attention. When I first spoke to Rob on the phone, he spent about 30-40 minutes explaining what the process of buying a house entails and how not just the highest offer on a home seals the deal. You need people to move and constantly meet deadlines. If your not first, your last when it comes to purchasing a house. Rob and Reene totally exceeded my expectations. They always responded to my e-mails and phone calls with in 10-20 minutes. No matter if it was a weekend or a holiday, they always got back to me. To me this was key and it help ease alot of the stress in buying our first house. Rob and Reene are movers and shakers. They get you results. Not only are they workaholics, but they were also able to get me a mortgage rate that no other bank or broker could get close too. Bottom line, if you want power players on your side to get you a killer rate and close escrow fast you call Loan 101. I know my wife and I owe alot to Rob and Reene. They are a huge reason we were able to obtain and afford the home of our dreams. read more

I got a referral to Rob & Renee after spending 6 months frustrated and unable to refinance my home even though I had good credit. Not only did they get me a great loan but they were able to recommend a few quick tips to get my credit score higher which saved me $2,500 in closing costs. Though I rarely give five stars to a business, these guys deserve it! read more

I would give them 6 stars if I could! I've refinanced several times over the past 10 years and my recent experience with 101 Loan blows all other brokers I've worked with out of the water. Rob and Renee offer a strong network of lenders, appraisers, escrow officers and very competitive rates. But what really sets them over the top is their unwaivering commitment to making things happen. Through nearly impossible odds (ex determined to make life as difficult as possible), and in a climate of 8-10 week processing, my refinance went thru in a record 5 weeks!! Rob & Renee kept me updated at every turn, and were proactive in making sure that the lenders and escrow officer had everything they needed...including having regular conversations with my attorney to make sure I had clear title from the ex, clearing a 'surprise' lien that had been put on the property as a result of his debt, and arranging for a mobile notary to go track him down out of state. 101 Loan turned what could have been a nightmare into a very low stress process - they definitely set some new standards for the industry and a high bar for customer satisfaction. I give them my highest recommendation for anyone, whether your process is simple or complicated like mine. read more

We recently closed with Rob and Renee for our home loan after being referred by our agent. They were amazing providing support for us with multiple pre-approvals, often within an hour of time sensitive requests, and ultimately worked with us to secure a rate we were comfortable with when it came time to close, despite some changes in the market at the last minute. We closed ahead of schedule and were super happy with the level of service. Would definitely recommend! read more

Thanks Renee and Rob for help with the financing! I've been through a number of mortgage loans in the past and understand the amount of work, communication, and coordination it takes to get through the process. It's a task! I have to say that this loan process went exceptionally smooth and the rates and fees were very reasonable. I appreciate all the work and prompt communication of all my questions and concerns. Thanks again very much and I look forward to working with you again in the future!! I wouldn't hesitate to refer friends and family to 101 Loan! read more

Rob and his team were amazing and I wouldn't be in my condo without them. Consummate professionals who are extremely knowledgeable in their field and make the process of home buying seem flawless. I would recommend Rob and his team to anyone who is interested in purchasing a home. read more

Rob and Renee showed full dedication to our transaction. We had a very complicated portfolio to navigate through, and while most brokers & lenders mostly just declined our loan possibility, Rob maintained a positive and creative attitude towards our application. The team definitely works hard and delivers as promised early on ... no changes or surprises down the line. read more

I've worked with a lot of Brokers in my days and Rob knows his stuff. Rarely do you find a Broker that understands all aspects of the mortgage industry and how that ties in with your financial planning. Don't waste your time on the phone with the "Big-bank-rookie", get the job done right with someone who really knows the business. read more

Rob and Renee helped me with my 30 year conventional refinance. They were very professional and prompt. All my questions were answered within a working day through email. I dealt mostly with Renee, and she is very knowledgeable and polite. The loan process took 2 months, which is a month longer than I expected. I do not fault 101Loan since we had all the documents ready and waiting for the lender to approve weeks before. All-in-all, it was a very painless process. I would recommend them without hesitation. read more

I am new to CA so when buying a house, I had no idea where to turn. Rob was referring to me by a friend and being new, you will take any recommendation. I just closed on my house yesterday and I must say, I have nothing but the absolute best things to say about Rob and Renee. They worked with me via phone/email (which due to my crazy work schedule was a requirement -- I never met them in person!) and they were the most responsive team in the world. I have lots of questions and one of them always got back to me immediately ... even if to say they had to get back to me and would get a final answer in a few hours. The rate Rob got us was phenomenal -- lower than I had imagined -- with a great cash back at closing. In addition, and probably most importantly, we closed when we said we would close!!! I know the even the sellers realtor was shocked as this doesn't happen very often. Another great thing Rob did was during the offer process. He actually called the sellers agent to tell them that we were all pre-approved and that all was set with us, to put her mind at ease about the lower-than-asking-price offer we made. He was able to make her feel that the seller wasn't taking a gamble that this wouldn't close (which happens so frequently) . I will recommend Rob to ANYONE who asks me and would use him again in a heartbeat. read more

They were competitive -- their fees were substantially lower than the other place I checked. We did everything via fax and e-mail, which was quite convenient. In order to nail them down on the fees, I had to ask for a good faith estimate -- don't rely on an off-the-top-of-the-head guesstimate. I would definitely do business with them again! read more

We just bought condo with help of Rob and Renee from 101 loans. They were helpful since day one. They understood our situation and provided best guidance possible. We just want to tell you how much we appreciated all their hard work, long hours and obstacles these guys have jumped through to help us make our dreams of becoming home owners a reality. We are very lucky and fortunate to have these guys working with us during this whole process and we could not have asked for a better team to work on our behalf. Thanks Rob and Renee. You guys Rock ! read more