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 and his team are great! I could not have asked for a better team to take care of me throughout my home buying process. Their response time was great... read more

    Allen C. Avatar
    Allen C.

    Robert Dylina was ready to draw loan docs in just 16 days from the day he took the application. He was courteous, professional, and always available to answer questions.... read more

    Melinda P. Avatar
    Melinda P.
  • Working with Robert was quick, easy, and painless. As a matter of fact he managed to lower my interest rate by 2% and allocated funds to cover the cost of... read more

    Jared R. Avatar
    Jared R.

    Robert J Dylina with Envoy was such a huge help getting my house refinanced. He demonstrated great knowledge of the market, He got me locked in at a nice low... read more

    Joseph N. Avatar
    Joseph N.
  • Robert was amazing to work with. Whenever we had a question, which was often, he was always there to answer and give advice. He made what was looking like an... read more

    Carlee S. Avatar
    Carlee S.

    Robert did an excellent job from start to finish for my loan. He is top notch, I recommend him to all my family and friends. He is on the ball... read more

    Tasha A. Avatar
    Tasha A.
  • Robert and his team are on top of there work! Robert always responds any time of day when I had a question. He got me an very low rate... read more

    Nai S. Avatar
    Nai S.

    Robert and his team are on top of there work! Robert always responds any time of day when I had a question. He got me an very low rate... read more

    Nai S. Avatar
    Nai S.
  • Robert's communication with me and my clients was outstanding as always. I was always kept up to date on where we were in the process. As a Realtor... read more

    Teri S. Avatar
    Teri S.

    Robert was great in helping me and my wife buy our new home would most definitely recommend him šŸ‘

    Gabriel M. Avatar
    Gabriel M.
  • Awesome lender! Had a bad experience with two other lenders before deciding to use Robert for the purchase of our new home. As first time home buyers we had... read more

    Logan G. Avatar
    Logan G.

    Robert was great to work with, he got both my dad and I great rates, and the process was painless. I recommend him and his team .

    Matt W. Avatar
    Matt W.
  • I've been a full time real estate agent for 16 years now and I've never met a lender like Robert Dylina and his team, they were extraordinary on their service.... read more

    Carlos C. Avatar
    Carlos C.

    Robert and team have processed our initial home loan and also our refi. He and his team were so informative, very accommodating of our crazy schedules and made each process... read more

    Jovan G. Avatar
    Jovan G.
  • 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.




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


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.

Apply Now!


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 state.


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

Rhonda Williams


Patti Trapani

Team Member


Team Member




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


  • 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, 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.


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