San Jose Mortgage Broker

About 101 Loan, A San Jose Mortgage Company

With over 30 years of experience in residential and commercial lending, 101 Loan has the experience, product offerings and the staff needed to close financing in today’s fluid economy time in an efficient manner.

While many of our competitors have gone out of business due to the changing economy, we have continued to thrive. Perhaps it’s having over 50 long-term lending relationships with the top lending institutions in the United States. Perhaps it’s the thousands of loans we have closing perfecting our process.

Maybe its our practical thinking and approach to complicated financial matters. Perhaps it’s all of these things and more.

Rob’s Team

“We Are Here To Make Your Dreams a Reality”

Rob McCarthy
Senior Mortgage Advisor

Rob serves as Owner and Senior Mortgage Planner of 101 Loan He has been providing clients with property financing for over 30 years. In that time, he has closed over $2 Billion in loan volume and is considered one of the Bay Area‘s Top Lending Professionals and works with many of the Bay Area’s Top Realtors, Financial Advisors, Tax Advisors, Estate Advisors and Attorneys.

His business is based on taking care of the clients long and short term needs. Through Linked In and Yelp, just read the accolades written about Rob and his team. You will know that if you are in need of financing, this is the right guy to be talking to. Lastly for more info, go to

Renee Stephens
Senior Loan Coordinator & Senior Mortgage Planner

Renee Stephens, Senior Loan Coordinator 101 Loan, has over 25 years of experience in lending. Renee has worked with our clients making the transaction as smooth and efficient as possible. Once the Processing Manager at First Portfolio and Rivkin and Associates, Renee has been working with the 101 Loan lending team for over 10 years.

Renee is an integral part of the operation and is critical to the success of the team as her many years of experience translates directly to day to day activities. Renee ensures our lenders meet our time expectations so the loan process is smooth and business closes on time as planned.