Rob McCarthy - NMLS 121019

07/02/2026

Have you heard about our new Doctor Loan Program? It’s Amazing!

If you are a 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)

Note: No MI and program is for owner occupied property only.

Who Qualifies for this Program?

• Medical Doctor (MD), Doctor of Osteopathy (DO)
• Dentists (DDS, DMD), Ophthalmologists, Psychiatrists
• Pharmacists (PharmD) & Podiatrists (DPM)
• Certified Registered Nurse Anesthetists (CRNA with DNAP or DNP)

What are the Interest Rates right now? (Effective 7/1/26)

• 7/6 ARM @ 7.125 at 1 Point (APR 7.447) at 0 Down up to $2m in loan
• 10/6 ARM @ 7.25 at 1 Point (APR 7.443) at 0 Down up to $2m in loan

Note: Rates and fees are subject to change without notice or until locked and approved by the lender.

For more info, please contact me.

Best Regards,

Rob McCarthy
Senior Mortgage Advisor
www.101Loan.com
650-465-8957 c [email protected]
CA DRE #01165697 NMLS #121019
101 Loan - 99 South Almaden Blvd, # 600. San Jose, CA 95113

06/29/2026

Love your low mortgage rate but still need cash? You don't have to choose.

If you're 55 or older, HomeSafe Second lets you tap up to $1M of your home's equity with a fixed-rate second mortgage - and no required monthly mortgage payment.

Your first mortgage and that great rate you locked in stay exactly the same.

Homeowners are using it to pay off high-interest debt, buy a second property, remodel, or cover medical and living costs without touching their first loan.

The basics: you'll need to be 55+, current on your first mortgage, living in the home as your primary residence, and meet a few standard requirements. The process includes a home appraisal and a meeting with an independent counselor, so you can move forward with full confidence.

Curious what you'd qualify for? Let's talk for a second.
650-465-8957 or [email protected].

Rob McCarthy • Senior Mortgage Advisor • 101 Loan
CA DRE #01165697 • NMLS #121019

Note: Program is subject to change without notice or until locked in and approved by lender.

06/16/2026

Did You Know?

Reverse Mortgage Myths vs. Facts

Many people have heard misconceptions about reverse mortgages. Here are some important facts:

✔ You still own your home.
✔ You can sell your home whenever you choose.
✔ Your heirs won’t owe more than the home’s value.
✔ No monthly mortgage payments are required.
✔ Funds can be used for medical expenses, home repairs, travel, daily living expenses, or paying off debt.
✔ A reverse mortgage can help increase retirement cash flow.
✔ You can even use a reverse mortgage to purchase a home.

Borrowers must continue to live in the home as their primary residence, maintain the property, and pay property taxes and homeowners insurance.

Reverse mortgages aren’t for everyone, but for some homeowners they can provide flexibility and peace of mind during retirement.
If you’d like to learn more or discuss your options, feel free to reach out. If you'd like to review your options, complete the questionnaire at https://101loan.com/reverse-mortgage-start/

Rob McCarthy
Senior Mortgage Advisor
☎ 650-465-8957
📧 [email protected]
🌐 101loan.com

CA DRE #01165697 NMLS #121019
101 Loan - 99 South Almaden Blvd, # 600. San Jose, CA 95113

06/03/2026

Do you want to buy in the bay area? Have you tried making offers only to get defeated? My article may help you be successful!

https://101loan.com/blog/bay-area-bidding-war/

Rob McCarthy
Senior Mortgage Advisor
650-465-8957 c [email protected]
CA DRE #01165697 NMLS #121019
101 Loan - 99 South Almaden Blvd, # 600. San Jose, CA 95113

Products/Services/Accolades:

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

How to win a Bay Area bidding war in 2026: value a home right, structure a strong offer, and get preapproved before you shop.

04/28/2026

In the market for a new home? Put some purchase power in your hands with a preapproval letter. Terms apply. You’ll be ready to make an offer when you find the home you want. Call me at 650-465-8957 or contact me at [email protected].

04/27/2026

Does refinancing your mortgage make sense? There's a lot to consider. Feel free to contact me to help you understand if refinancing will work for your specific situation. Equal Housing Lender

Learn about the benefits of refinancing your mortgage, which include lowering your interest rate and potentially paying off your mortgage faster.

04/26/2026

Make homeownership a reality! Link to my easy-to-use site to try our affordability calculator, request a call back or just check rates. I'm able to originate loans in all 50 states and I'm here to help. Equal Housing Lender

Contact Rob McCarthy your local San Jose Wells Fargo Home Mortgage Consultant to get home mortgage loans, check rates, refinance your mortgage, compare loans, and improve your home.

04/25/2026

As part of the Wells Fargo Private Mortgage Banking group, I source, serve and solution the mortgage needs of affluent and high-net-worth clients. Visit my website or contact me to find out how I can help. Equal Housing Lender

Your unique wealth management needs deserve the service and attention that come with a leader among jumbo mortgage lenders.

04/24/2026

What are your homebuying goals? I'm ready to assist you. Follow this link to my site and schedule time if you'd like to chat. Equal Housing Lender

Contact Rob McCarthy your local San Jose Wells Fargo Home Mortgage Consultant to get home mortgage loans, check rates, refinance your mortgage, compare loans, and improve your home.