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About 101 Loan

With over 30 years of experience in residential and commercial lending, 101 Loan provides tailored financing solutions to meet both short-term needs and long-term goals. With access to over 50 top lenders, we secure the best rates and fees for our clients. Our deep financial, tax, and estate expertise helps clients improve cash flow, leverage down payments, and even create passive income. Unlike traditional banks or online mortgage sites, 101 Loan has a proven track record of getting offers accepted and loans closed on time in the most dynamic markets.

Entries by 101 Loan

Its So Nice to Offer a Plethora of Lending Products…

July 15, 2026/by 101 Loan

It’s so refreshing to offer lending products, I wasn’t able to provide at a previous company. These include: Bridge Financing that’s Less Expensive (See Article/Info on Product) Doctor Program at 0% Down up to $2m in loan amount (See Article/Info on Product) Doctors, Dentists, PharmD and Nurses that are CRNA qualify for the program. Reverse […]

“Bridge Financing that’s Less Expensive”

July 14, 2026/by 101 Loan

Do you want to buy a property first and they sell your current property later?  We have a great solution that’s cheaper than the majority of the competition.  Most hard money lenders (that provide this type of financing) charge 10% to 12% plus 2+ points for bridge financing.  We have a product that offers it […]

New Doctor Program…

July 1, 2026/by 101 Loan

Have you Heard of this New Doctor Program?  It’s Amazing! If your an MD, DDS or Pharmacist (PharmD) you can purchase a home based on the following: O% Down up to a Loan of $2m (720 Mid Fico Required) 5% Down up to a Loan of $2m (680 Mid Fico Required) Who Qualifies for this Program? […]

The Truth About Reverse Mortgages

June 16, 2026/by 101 Loan

Many homeowners believe that a reverse mortgage means giving up ownership of their home or leaving debt for their heirs. However, the reality is often different. Here are a few key facts: ✅ You remain the owner of your home and can sell it at any time. ✅ Your heirs will never owe more than […]

Need Access to Your Homes Equity? Don’t Want to Refi Your 1st? Would You Like to Defer the Payments? See below…

June 12, 2026/by 101 Loan

Do you have a first mortgage at a low rate and you need to access the equity of the home and not make a mortgage payment?  The Reverse 2nd may be your answer! If your a home owner at the age of 55 or more and live in California, please contact me.  Minimum loan amount […]

How to Win a Bay Area Bidding War in 2026

June 2, 2026/by 101 Loan

How to Win a Bay Area Bidding War in 2026 Winning a Bay Area bidding war in 2026 comes down to five things: knowing a home’s real value, deciding how far over it to bid, structuring an offer a seller trusts, getting fully preapproved, and being able to close on time. Here’s each, fast. The […]

The Federal Reserve Cuts Commercial Lending Rates…Why did Consumer Lending Rates Go up Then?

September 21, 2024/by 101 Loan

In the September Federal Reserve meeting that finished yesterday, the Federal Reserve cut its benchmark interest rate by 0.50 percentage points vs .25 as originally planned.  This makes the first rate cut in 4 years.  This shift is expected to eventually lower borrowing costs across various consumer loans, including mortgages, auto loans, and credit cards but […]

Big Day For The Federal Reserve, the Stock Market and Interest Rates…

September 18, 2024/by 101 Loan

The Big Question…Will They or Wont They?  What will the Federal Reserve do or say at the conclusion of today’s big fed meeting?  Were waiting on Pins and Needles!   Its been almost 2 years where the Federal Reserve has aggressively increased rates to control inflation which is finally at 2.5% from 6.5% to 7% several years […]

So What Does a Interest Rate Cut Mean to You?

August 29, 2024/by 101 Loan

We now know now due the recent report released by Fed Chairman Powell, the Federal Reserve intends to drop the Federal Fund rate which will lower commercial lending rates (ie: the prime rate) in September if the economy continues to slow.   This will stimulate the economy by lowering the cost of commercial lending that businesses use […]

Seize the Moment: Why Waiting for the Fed to Drop Rates Could Cost You

August 15, 2024/by 101 Loan

In the world of mortgages, timing is often seen as everything. Many homeowners are currently sitting on the sidelines, waiting for the Federal Reserve to lower interest rates before refinancing. But is this really the best strategy? Let’s explore why waiting for the Fed to act might mean missing out on significant benefits that refinancing […]

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What We Do

  1. Residential Financing for Purchases and Refinances on 1 to 4 unit properties.
  2. Reverse Mortgage Financing to include Conforming, Jumbo, HELOC Jumbo’s.
  3. Commercial & SBA Financing to include Multifamily, Office, Retail and Light Industrial.
  4. Access to over 60 banks with over 300 “Five Star” Reviews on Yelp, Google and Linkedin.
  5. Over 30 years of lending experience with over $2b in closed loan volume.

Latest news

  • “Bridge Financing that’s Less Expensive”July 14, 2026 - 11:08 pm
  • New Doctor Program…July 1, 2026 - 5:56 pm
  • The Truth About Reverse MortgagesJune 16, 2026 - 6:58 pm

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101 Loan
c/o Rob McCarthy
99 South Almaden Blvd,
Suite 600
San Jose, CA 95113

650-465-8957
rob@101Loan.com

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