California's Best Home Loan Experience!
Robert and the team invite you to learn a little more about us. Who we are, what we do, and how we can help you.
Robert J Dylina - Loan Officer
What people are saying about us!
WHAT WE DO
Conventional
100%
Down Payment
Fixed Rate
Mortgage Insurance
Minimum Credit Score: 620
Best for people with excellent credit.
FHA
100.5%
Down Payment
Fixed Rate
Mortgage Insurance
Minimum Credit Score: 580
Best for people with below average credit or high debt-to-income ratios.
VA
100%
Down Payment
Fixed Rate
Mortgage Insurance
Minimum Credit Score: 580
A home loan for those whom have served our nation.
USDA
100%
Down Payment
Fixed Rate
Mortgage Insurance
Minimum Credit Score: 620
A home loan for moderate to low-income rural households.
Down Payment Assistance
100%
Down Payment
Fixed Rate
Mortgage Insurance
Minimum Credit Score: 660
Best for people who cannot save their own downpayment within a year.
HOW WE DO IT
Our core principals
for client satisfaction
1
Communication
Client and realtor communication is paramount. You can always expect to receive best-in-class communication via telephone, email, and text.
2
On Time
On time, every time, closing guarantee. When quick turn-around is important, we're ready to roll up our sleeves and get your transaction closed.
3
Follow Up
Our clients are clients for life. Expect follow up through the lifetime of your home ownership.
Electronic Disclosures
We offer an electronic disclosure process for those that prefer technology to keep your transaction moving as quickly as possible and prevents costly delays.
Rates
We have among the most competitive rates and fees in California. You can rest assured you're getting what you're paying for when you chose our team.
Technology
We operate on a paperless platform, cutting down on the storage of documentation. EnvoyLOS is a customized origination software that integrates directly with underwriting and processing to make your files move as smoothly as possible.
Mortgage Planning
Not sure if you're ready to buy yet but want to put together a plan? Want to find out what it really takes to purchase a home? Unlike many lenders, Robert and his team are willing to help you put together a plan for the future.
WHO WE ARE
Team Members
Michele Simoni
Processor
Kaitlyn Harden
Team Member
Gloria Gutierrez
Marketing/LOA
Stella
Mascot
Robert J. Dylina
Manager/Senior Loan Officer NMLS# 967879 CalBRE# 01927191
Community and Volunteer
Robert holds or has held many volunteer positions in the community including:
- Merced County Housing Authority, Board of Directors
- CommonSpirit Mercy Medical Merced, Board of Directors
- Merced Theatre Foundation, Board of Directors
- Greater Merced Chamber of Commerce, Board of Directors, Past Chairman
- Merced City Planning Commission, Past Chairman
- Merced Boosters, Board of Directors, Past Chairman
Education
- Cal Poly San Luis Obispo, Computer Engineering
- Cuesta College, Construction Management
- CSU Stanislaus, Business Administration with concentration in Finance
Experience
- Construction Superintendent/Customer Service Manager
- Loan Officer, Opes Advisors
- Manager/Senior Loan Officer, Envoy Mortgage
Honors
- 2017 Merced's 20 under 40 Award Recipient
Robert earned a degree in construction management in 2005 while living in San Luis Obispo. Shortly thereafter he returned to Merced and began an 8 year career in construction management with a California real estate developer. After the United States real estate collapse of 2008, Robert went back to college to earn a Bachelors degree in Business Administration with a concentration in finance from CSU Stanislaus in Turlock, California.
Since 2012 Robert has helped hundreds of families and real estate investors identify and originate home loans that met their specific needs. Robert has since expanded and enlisted the help of an entire team to provide a level of service that is uncommon to find anywhere.