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.
What people are saying about us!
Robert is a hands on lender who excels at communicating. From the start of the transaction to the finish Robert is involved, accessible and makes sure all parties are kept... read moreKelly P.8/10/2019
Robert worked quickly and efficiently to help us close on our home within 21 days. Robert is professional and answered our questions without bias. Robert was laid back and worked... read moreBilly X.8/02/2019
Great lender in Merced County! If you are a first time home buyer or an investor he can definitely help you and guide you through the process. He is always... read moreGenaro D.7/26/2019
Robert did a fantastic job in helping us getting our new house!! He made this experience as smooth as it can be and explains everything in detail so we understand.... read moreSeng H.7/19/2019
Robert went above and beyond to help us get to where we needed to be. He made the loan process of buying a home so simple for us! He answered... read moreKimber L.5/31/2019
Robert and his team have been exceptional from start to finish. He has been available for the simplest questions to the hardest decisions. He took us buying a home very... read moreJustin V.4/30/2019
Look no further, this is your guy! Truly the definition of high customer service. I’m a first time home owner and Robert went above and beyond to help me understand... read moreStephanie4/12/2019
A1 service from start to finish! Robert’s articulation of the process, terms, and conditions is graceful art. His dedication to me as his client was 24x7 - there was never... read moreMichael R.3/21/2019
Robert is great. He made our first time home buying experience seriously a breeze from start to finish. He was available and willing to answer my texts or calls at... read moreMichelle P.3/21/2019
The service, attention to detail and keeping me advised of the process was outstanding. I had a small issue arise that was handled with ease. Always courteous and available at... read moreJulie R.3/15/2019
A VERY HAPPY CUSTOMER! As a first time home buyer, I was very selective in choosing who would facilitate my loan. After doing my homework, I wanted to be... read moreKatelyn B.3/13/2019
Robert is great to work with, very professional, he is a team player. He is very responsive and works diligently to get the job done. He is knowledgable, honest,... read moreDaria T.3/08/2019
Robert was actually the second lender I contacted, and I am glad I did! He did not let me down. He and his staff are all very... read moreTiffany B.3/08/2019
Robert was fast, professional and found us great loan options at very good rates. I was a little anxious about the loan application process. Robert was there to... read moreGeorge L.3/08/2019
When I first met with Robert, my credit needed some major work and he was very honest and pointed me in the right direction to get it fixed or at... read moreSamantha F.3/08/2019
We’ve used Robert multiple times and are always beyond happy with everything! Anytime I don’t understand something, he makes it easy when he explains it! I always recommend... read moreRhonda V.2/21/2019
Robert and his team made buying my first home an incredible experience. They were always available and quick to respond to any questions or concerns. I look forward to working... read moreKaitlyn H.2/21/2019
I highly and without reservation recommend Robert. He not only persevered above and beyond, but he was by my side advocating throughout the process.Scott H.2/15/2019
Robert is extremely helpful and knowledgeable in his specialty of home loans. He is professional, communicates well, and is client-oriented. I can say that he takes the time to educate... read moreVanessa S.2/13/2019
WHAT WE DO
Minimum Credit Score: 580
Best for people with less than perfect credit and those wanting to push their affordability further than conventional loans allow.
Monthly Mortgage Insurance
Minimum Credit Score: 600
Best for US Veterans and spouses of Veterans who passed from service related injuries.
Down Payment Assistance
Our core principals
for client satisfaction
Client and realtor communication is paramount. You can always expect to receive best-in-class communication via telephone, email, and text.
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.
We offer an electronic disclosure process for those that prefer technology to keep your transaction moving as quickly as possible and prevents costly delays.
We have among the most competitive rates and fees in the region.
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.
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 ARETeam Members
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 Theatre Foundation, Board of Directors
- Greater Merced Chamber of Commerce, Board of Directors, Past Chairman
- Merced City Planning Commission, Chairman
- Merced Boosters, Board of Directors
- Merced Rotary, Member
- Cal Poly San Luis Obispo, Computer Engineering
- Cuesta College, Construction Management
- CSU Stanislaus, Business Administration with concentration in Finance
- Construction Superintendent/Customer Service Manager
- Loan Officer, Opes Advisors
- Manager/Senior Loan Officer, Envoy Mortgage
- 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, CA.
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 exceeds what is available at other lenders.