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, Gabby, Kaitlyn and the rest of the team at Envoy Mortgage were such a pleasure to work with! They all made the entire process almost effortless, they kept... read more

    adam b. Avatar
    adam b.
    6/11/2021

    They have amazing customer service, and very great at explaining the process to you as it went forward

    Travis W. Avatar
    Travis W.
    5/25/2021
  • Robert and his wonderfully knowledgeable team bring you
    big-city efficiency partnered with a not-so-small-town friendly and welcoming charm. Fantastic team. I look forward to recommending them many times over.

    G M. Avatar
    G M.
    5/06/2021

    Our first home buying experience was a smooth and stress free process thanks to this amazing team. Robert Dylina is so knowledgeable and easy to communicate with. We highly recommend... read more

    Shawn O. Avatar
    Shawn O.
    5/05/2021

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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