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 89 User Reviews

What people are saying about us!

  • Robert Dylina and the entire Envoy Mortgage crew are outstanding. Robert made our home buying process stress free, made things simple for us to understand, and was available whenever we... read more

    Karl M. Avatar
    Karl M.
    10/17/2020

    Robert Dylina and his team were phenomenal. They have excellent customer service and communication. I would recommend them to everyone I know. Bobby is dedicated and professional. His office always... read more

    M H. Avatar
    M H.
    10/03/2020
  • Robert and his team are outstanding. They were responsive and professional throughout the process. Best of all, he was able to secure a lower rate than what was... read more

    Jon B. Avatar
    Jon B.
    9/22/2020

    My wife and I are extremely happy that we used Robert and his team for the mortgage process! They were always on top of things and made the process quick... read more

    Joshua B. Avatar
    Joshua B.
    9/16/2020

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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Apply Now!

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 the state.

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

Gabby Gurdian

Team Member

Brandi Owns

Operations Manager

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!