Robert J Dylina California Mortgage Specialist Portrait

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.


google logoRobert J Dylina - Loan OfficerRobert J Dylina - Loan Officer
5 Stars - Based on 112 User Reviews

What people are saying about us!

  • Robert’s detailed and simplified explanations for things was extremely helpful. Buying a home is a very big and scary step for many of us. Robert & his team took the... read more

    Lindsay O. Avatar
    Lindsay O.
    10/26/2021

    You and your team were amazing! There is nothing that I can point out that would make you and your team any better! Communication, understanding, thoughtfulness, and going above and... read more

    Rashaun W. Avatar
    Rashaun W.
    10/25/2021
  • Robert and his team made our home buying experience quick and virtually painless. If any issue came up they were quick to address it. If anything was needed on our... read more

    Erin K. Avatar
    Erin K.
    10/21/2021

    Robert and his team handled a simultaneous refinance and purchase for my wife and I. The communication was excellent throughout the process! They made a potentially complex process a breeze.... read more

    Brandon R. Avatar
    Brandon R.
    10/06/2021

WHAT WE DO


Conventional

100%

Down Payment


Fixed Rate


Mortgage Insurance


Minimum Credit Score: 620


Best for people with excellent credit.

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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.

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VA

100%

Down Payment


Fixed Rate


Mortgage Insurance


Minimum Credit Score: 580


A home loan for those whom have served our nation.

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USDA

100%

Down Payment


Fixed Rate


Mortgage Insurance


Minimum Credit Score: 620


A home loan for moderate to low-income rural households.

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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.

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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.
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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.

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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.
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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.
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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

Gabby Gurdian

Team Member

Kaitlyn Harden

Team Member

Stella

Mascot

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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:

  • DignityHealth 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

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.


WHERE TO FIND US


We have an online platform to serve all of California. So you could say we're everywhere!


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