101 Loan and Rob McCarthy - Specialist in Residential, Commercial and Reverse Mortgage Financing - San Jose, California

Veronica R.

My friend and Realtor Jen Beehler with Elevate Group, referred me to Rob McCarthy with 101 Loan to help me with the purchase of new home.

From the start to the finish, Rob and his team went above and beyond to help me with the process (making it as smooth as possible) and offered the best rates and lowest fees on the market. He and his staff were always available for any question, big or small, even on weekends. They were amazing to work with and my “go to lender” for anything financing in the future. If you’re looking for a great mortgage broker or lender, look no farther than Rob McCarthy at 101 Loan. He’s the best!

Mason M.

The Thanksgiving Miracle,

My husband and I had just had a baby and were in the middle of escrow with a large company recommended to first time homebuyers by the state of CA. Then the loan officer ghosted us after promising the Sun, Moon and the stars aka closing on time to appease the seller. After multiple messages and calls to the loan officer with no response I didn't know what to do. The seller was frustrated, we were scared we were going to lose the house, and this was our first time buying a home so we had no knowledge of how to get out of the hole the mortgage company abandoned us in. Then my in-laws recommended a man named Rob McCarthy. As soon as we talked to him the anxiety started to fade. He told us it was going to be difficult to close our loan due to the complication, which is probably why the other loan company bailed, but he would make sure to do everything he could to make it happen. I was a little skeptical as I heard that before. But, he ACTUALLY DID!! Rob and his incredible Senior Loan Associate, Renee, overcame every obstacle, spoke to the seller to reassure them, worked with us everyday, and then right as we get to the finish line (escrow) there is a major hack affecting sales all over the country. Our purchase agreement was going to expire, the loan lock we extended twice was set to expire, Rob was on his Thanksgiving vacation out of the country. I had essentially lost all hope. But, Renee got the lender everything they needed and from an ocean away Rob stayed in contact reassured us, calmed us down, walked us off the cliff and demanded escrow figure out a way around an incredibly difficult situation and because of the wonderful relationships he has built they did just that. The night before Thanksgiving we got the text that the incredible escrow officer and a team of 5 had worked nonstop and got the title transferred just before the expiration and the house was finally ours. It would take a novel to explain everything Rob and Renee had to overcome to make this happen, but just know if they can make it happen for us when all the cards were against us and come out with a full house they can make any dream come true. They are the dream team and it isn't because they sell you what you want to hear but because what they say they actually make a reality. Thanks to them our baby girl will celebrate her first Christmas in the home and hopefully many many more after that. Thank you for our family Thanksgiving Miracle!

Dawn T.

If you don’t know Rob McCarthy and his team from 101 Loan, allow me to introduce you as it’s truly my pleasure. Rob and his highly skilled lending team are experts at residential and commercial lending, as well as refinancing and reverse mortgages. Rob has developed relationships with over 45 lenders so he can truly get the best package for his clients. When he couples that with his ability to provide outstanding service and close quickly, it’s the perfect trifecta for his clients!

Rob and I have known each other for nearly 18 years. During that time, we've worked on 100s of client purchases together. There has never been one that did not close. Sure there are bumps, but Rob and his team are experienced and equipped to deal with things that can happen with so many moving parts in a transaction. We’ve not only successfully completed client transactions together, I've also worked with Rob and 101 Loan on our personal home financing. I know that when Rob says he’s going to do something, it absolutely gets done! I can put my name on it. He’s very well-connected in the Bay Area and beyond and never hesitates to help someone out.

I highly recommend Rob and his team from 101 Loan, from multiple professional and personal experiences in working together!

Danny N.

As first time home buyers, we really appreciated Rob’s patience and thorough explanation of the home purchasing/mortgage process.
Rob was super diligent in finding us a lender and Renee was amazing in supporting us as we neared closing - both were very responsive and helpful.
Additionally, we were able to tap into Rob’s network and he paired us with an excellent team of realtors.
All in all, we had a great experience working with Rob and his team!

Tyler M.

Rob, Renee and the team at 101 Loan are true professionals. They helped me with a first home purchase and made the process very simple.

They were able to get the best rate, they work fast and they're very responsive. At one point, Rob was on vacation but still made himself available to help.

Highly recommend. Thank you Rob and Renee!

Aaron C.

Once again, a fantastic experience with Rob, Rene and their team! We approached him with an urgent and distinctive issue that other lenders disregarded. Not only did Rob assess it, but he also devised a solution benefiting everyone involved. He secured the lowest interest rate achievable and swiftly finalized the loan. Rob remains my top choice for all lending needs; his team comes highly recommended!

Ryan H.

Rob and Renee are nothing short of awesome. They are incredibly busy people, but we felt like we were their only clients. They were always available when we wanted to brainstorm lending options or when we needed crazy-fast pre-approval letters or loan information. They successfully closed on our home EARLY. Rob is incredibly knowledgeable of the market and what's possible. He's a creative broker who works hard to make sure he finds the best option for your individual situation. Renee is super organized, VERY responsive and excellent in her role. Not to mention they are both just pleasant people to work with. When we told our realtor we were working with them, they were excited because they know 101 Loan performs well and they wouldn't have any issues in escrow. We'll be using them again when we refinance or purchase our next home!

Sangwoo P.

We recently got help from Rob and Renee and what they have supported to get my loan SAFE, and On-time during the escrow process. Even further, i was in the market for more than year, and they provide very valuable comments and estimation of the loan to set me in right timing of the market. This team not only just providing loan estimation, also providing amazing comments for your life. if you need to buy home, contact Rob for help.