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 89 User Reviews

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 more

    Kelly P. Avatar
    Kelly P.

    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 more

    Billy X. Avatar
    Billy X.
  • 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 more

    Genaro D. Avatar
    Genaro D.

    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 more

    Seng H. Avatar
    Seng H.
  • 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 more

    Kimber L. Avatar
    Kimber L.

    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 more

    Justin V. Avatar
    Justin V.
  • 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 more

    Stephanie Avatar

    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 more

    Michael R. Avatar
    Michael R.
  • 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 more

    Michelle P. Avatar
    Michelle P.

    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 more

    Julie R. Avatar
    Julie R.
  • 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 more

    Katelyn B. Avatar
    Katelyn B.

    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 more

    Daria T. Avatar
    Daria T.
  • 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 more

    Tiffany B. Avatar
    Tiffany B.

    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 more

    George L. Avatar
    George L.
  • 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 more

    Samantha F. Avatar
    Samantha F.

    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 more

    Rhonda V. Avatar
    Rhonda V.
  • 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 more

    Kaitlyn H. Avatar
    Kaitlyn H.

    I just finished a transaction with Robert. His service and diligence really deserve 6 stars. He was on top of every detail and kept me informed throughout. Cheers to you Robert!

    Jeff L. Avatar
    Jeff L.
  • 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. Avatar
    Scott H.

    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 more

    Vanessa S. Avatar
    Vanessa S.



Down Payment

Fixed Rate

Mortgage Insurance

Minimum Credit Score: 620

Best for people with excellent credit.


Down Payment

Fixed Rate
Mortgage Insurance
Minimum Credit Score: 580
Best for people with less than perfect credit and those wanting to push their affordability further than conventional loans allow.


Down Payment

Fixed Rate
Monthly Mortgage Insurance
Minimum Credit Score: 600
Best for US Veterans and spouses of Veterans who passed from service related injuries.


Down Payment

Fixed Rate

Mortgage Insurance

Minimum Credit Score: 620

Best for people with moderate to low-income looking to purchase homes in rural areas.

Down Payment Assistance

Down Payment

Fixed Rate

Mortgage Insurance

Minimum Credit Score: 640

Best for people with moderate to low-income who want to buy but are having trouble saving up a downpayment.
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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

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.


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.


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.

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.


Team Members




Team Member


Loan Officer




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.