Team Home Loans - Simplifying The Home Buying Experience

Who We Are

Synergy One Lending is committed to simplifying the home buying experience. As a national mortgage lender, we offer the best combination of the digital mortgage technology our client’s want along with the expertise of our team they need. Synergy One is licensed in 45 states and provides among the broadest set of mortgage options of any company today. Whether you are a millennial, baby boomer or luxury home buyer, Synergy One Lending stands out because of our relentless pursuit of excellence in our people, our process and the client experience.

Our Loan Types

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1. VA

The US Department of Veterans Affairs provides patient care and federal benefits to veterans and their dependents.

2. FHA

The FHA sets standards for construction and underwriting and insures loans made by banks and other private lenders for home building.

3. Conventional

A conventional loan is a mortgage that is not guaranteed or insured by any government agency.

4. RETIREMENT HOME LOANS

The Loan Tenure – Many banks and other financial institutions expect their home loan customers to pay off the loan by the time they reach 65 – 70 years of age. There are a few banks, however, that provide home loans to individuals up to the age of 75.

5. JUMBO

In the United States, a jumbo mortgage is a mortgage loan that may have high credit quality, but is in an amount above conventional conforming loan limits.

6. NEW HOME DEVELOPMENTS

Financing your new construction home can be easier when you know what to expect about home loans, saving for a down payment and securing a mortgage.

7. RENOVATION

You can now spruce up your home and make renovation a milestone as memorable and enjoyable as home buying

8. USDA

A USDA Home Loan from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture.

9. CONSTRUCTION

A construction loan (also known as a “self-build loan”) is a short-term loan used to finance the building of a home or another real estate project. The builder or home buyer takes out a construction loan to cover the costs of the project before obtaining long-term funding.

How We Work - Our Process

1. Application

We’ll talk about your needs up front and gather as much information as possible to get a head start on your refinance or purchase. The more information we have from our Needs List, the

2. Consent to Electronic Documentation

In order to request electronic statements and other documents, we are required to provide you with certain information and obtain your consent.

3. Disclosures

You will receive, acknowledge, and return a disclosure package which explains your loan product and costs.

4. Appraisal

Here, we work with a professional team of local appraisers to have a good look at the value of your investment, your home.

5. Processing

We’ll need your help collecting documentation such as Pay Stubs, Bank Statements, W-2s, and Employment history so we can have your loan underwritten quickly and prevent any last minute rushing and stress.

6. Underwriting

Since we hire only the best, you can be sure we will treat your file with love and attentive care throughout this very important part of your transaction. We will satisfy any remaining conditions to your final approval as quickly as possible to get you to the closing table.

7. Clear to Close

Time for a happy dance. We are now ready to get you to the closing table by preparing your final loan documents. Thanks to our awesome teamwork, you will have a smooth and exciting closing experience.

8. Acknowledge Your Closing Disclosure

This outlines the final terms of the loan.

9. Loan Doc Signing

There are many different disclosures and pages in Mortgage Loan Documents, which also include a small packet of Title and Escrow paperwork required to complete the Home Buying Process. Once your Loan Documents are signed, they will be messengered back to Escrow and your Lender for final processing.

10. Funding

Once all of your Prior to Funding Conditions are met, you are clear to close, you loan will Fund.

11. Celebrating

Meet Our Team

Jason Hall

Branch Manager

Jason E. Hall has been in the banking industry since 1989. He started his career at Union Bank of California in 1989, ending his tenure as…

Erica Lo

Loan Officer

I’m a SoCal native originally from Los Angeles and now living in San Diego for the past 20 years…

Bryan Schow

Loan Officer

I have been in the mortgage industry over 12 years. I am a Rancho San Diego native and a graduate of Valhalla High School…

Aaron Wicht

Loan Officer

Business Development Manager at Team Home Loans branch of Synergy One Lending at Greater San Diego Area

James Curran

Loan Officer

With a degree in Economics from the University of Arizona’s Eller School of Business (with a focus of real estate economics)…

Bertha De La Torre

Loan Officer

A dedicated, dependable, disciplined, focused and friendly Leader, with excellent bilingual and multicultural communication….

Doris Olmedo

Loan Officer

My educational background is in Business Administration with a key focus in Management and I graduated from Cal State San Bernardino…

Melanie Hall

Business Development Manager

An expert in providing exceptional customer service. A Mortgage Banking Professional with impeccable record in mortgage…

Let's Connect

OUR MAIN OFFICE

3131 CAMINO DEL RIO N Suite 190
SAN DIEGO, CALIFORNIA 92108

PHONE NUMBERS

(858) 449-9790

FAX NUMBERS

(619) 393-0295

WORKING HOURS

Mon-Fri 8:00am- 6:00pm

Get a loan quote or consultation.







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