Over the last 30 years of doing business, many of my power partners that include Realtors, Financial Planners, Tax Planners and Divorce Attorney’s (& past clients) have said many nice things about how we run our business.  This includes:

  • Great follow-up
  • Out of the box thinking
  • Ownership of the loan from start to finish
  • Great communication to all parties involved
  • Access to multiple lenders giving us lending flexibility

This week we closed the hardest most time intensive loan ever, that was referred to us by a past client.

A family member of theirs, had been declined by another bank due to the complexity of their loan and the fact that they had put money into the property before actually owning it which is a big no no for Fannie Mae and Freddie Mac.  After exhaustive conversations with the lender and with Fannie Mae over several weeks coupled with multiple condition requests to the borrower, we were able to get the loan fully approved by the bank.

We closed this week on Tuesday and the clients thanked us stating that we pulled off a major “Hail Mary” and thanked us for not quitting and seeing it through.

I shared this experience and story with my son and he said…”Dad, do you know why people use you and refer business to you?  Its because you close deals. You’re the definition of a true closer”.

This made me remember a testimonial that a long-time friend and CPA once shared at a networking event in front of 50 other professionals about me. He stated, “I send business to Rob because he gets Shit done”. I guess that pretty much sums me and my staff up!

If you need help with a loan or would like to learn more about what we do, please contact me or go to this page to learn more.

Have a Great Week!

Rob McCarthy

Senior Mortgage Advisor

101 Loan LLC

650-465-8957 c  408-377-4123 o

CA DRE#01165697  NMLS #121019

101 Loan – 14435 C Big Basin Way, Saratoga, CA 95070


  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, Facebook and Linkedin.

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