
C
Carlos Velez
Branch Manager


San Diego State University
At Ascend Mortgage Group, Carlos Velez leads with precision, passion, and purpose. With over a decade of experience in mortgage lending, Carlos has built a reputation for delivering clarity, confidence, and speed in every transaction.
His ... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Highly recommended service
Reply from Owner
August 31st, 2026 07:13 PM
Thank you, Luis, for recommending my service. I'm grateful for your kind words and trust.
fast and clear communication in the process
Reply from Carlos Velez
August 31st, 2026 06:04 PM
Luis, I appreciate your kind words about the fast and clear communication during the process. It's great to know that everything went smoothly for you.
Carlos and his team did a fantastic job helping my client with her mortgage needs.
Reply from Owner
August 10th, 2026 01:23 PM
Jackie, I'm happy to know that my team and I could assist your client effectively with her mortgage needs. Thank you for trusting us with her financial journey.
Carlos was very knowledgeable and approachable . His team did a fantastic job helping my client with her mortgage needs
Reply from Carlos Velez
August 10th, 2026 07:13 PM
Jackie, I'm grateful to hear that you found me knowledgeable and approachable. It's great to know my team did a fantastic job assisting your client with her mortgage needs. Thank you for your kind words!
Best in the business! Thanks for helping us purchase our first family home!
Reply from Owner
July 22nd, 2026 01:50 PM
Geoffrey, I'm grateful for your kind words and thrilled to have helped you purchase your first family home. If there's anything more I can do for you, please let me know.
Carlos and his team did an impecable job helping us purchase our home! Big shout out to Marie helping us every step of the way! Truly the best of the best to work with! Thank you so much guys for all your help!
Reply from Carlos Velez
July 22nd, 2026 05:11 PM
Geoffrey, I'm pleased to hear that you had such a positive experience with my team and me. Marie will be happy to know she was so helpful throughout the process. Thank you for choosing us to assist with your home purchase!
Friendly, clear explanations, always available and kept us updated with the entire process beginning to end.
Reply from Carlos Velez
July 13th, 2026 02:28 PM
Emmanuel, I'm glad to hear that you appreciated the clear explanations and availability throughout the process. Keeping you updated was important to me. If there's anything more I can assist with, please don't hesitate to reach out.
Carlos provided a great product and fair price. Communicating with him and Martha was sometimes challenging.
Reply from Carlos Velez
June 30th, 2026 04:50 PM
Heidi, I appreciate your feedback and am glad to hear you were satisfied with the product and pricing. I apologize for any communication challenges you faced with Martha and me. Please feel free to reach out directly if there's anything more...
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The loan we were able to get was great! The best we found. Carlos was great initially and Marie was very helpful through the process. Especially on our closing day when we had problems.
Reply from Carlos Velez
June 17th, 2026 03:07 PM
Brent, I'm pleased to hear that you found a great loan option through us. It's good to know that both Marie and I could assist you, especially on your closing day. If there's anything else you need, please feel free to reach out.
Highly recommend!
Reply from Owner
June 15th, 2026 07:49 PM
Thank you, Destani, for your kind recommendation. I'm pleased to know you had a positive experience. If you ever need further assistance, feel free to reach out.
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About
At Ascend Mortgage Group, Carlos Velez leads with precision, passion, and purpose. With over a decade of experience in mortgage lending, Carlos has built a reputation for delivering clarity, confidence, and speed in every transaction.
His philosophy is simple: education first, pressure never. Every client deserves a clear path, a smooth process, and a loan strategy that supports their long-term goals. From first-time buyers to seasoned investors, Carlos and his team design tailored mortgage solutions that help families move forward — not just into a new home, but into a stronger financial position.
Driven by growth and community, Carlos has shaped Ascend into a trusted local brand known for innovation, transparency, and relationships that last long after closing.
Outside the office, Carlos is a proud father of two one currently attending Texas A&M University and another in high school, both continuing the family’s drive for excellence. When he’s not cheering them on, he’s often training for his next cycling race, exploring new destinations, or building relationships with local agents and entrepreneurs who share his passion for progress.
“Our mission at Ascend is simple — empower clients, elevate partnerships, and bring momentum to every move.”
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
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Education
- San Diego State University

Positions
- Synergy One Lending - Branch Manager Aug 1st, 2025 - Current
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1999
Time Zone
Central Standard Time (CST)
Licenses
- Texas
- Colorado
- Florida
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Hobbies
- cycling
- running
- gravel racing
Disclaimer
Synergy One Lending, Inc., NMLS 1907235 | www.nmlsconsumeraccess.org | 610 W. Ash Street, Suite 1505, San Diego, CA 92101 | (888) 995-1256 | State required licensing information: AZ BK #1006787; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Act and the California Financing Law license; GA Residential Mortgage Licensee #70829; KS Mortgage Company License #MC.0025627 and KS Supervised Loan License #SL.0026885; MA Mortgage Lender/Broker License #MC1907235; NV Mortgage Company License #5186; Licensed by the N.J. Department of Banking and Insurance; OH Registration #RM.804609.000; Rhode Island Licensed Lender and Broker. Not affiliated with any government agency. All Loans are subject to underwriting approval. Terms and Conditions apply. Subject to change without notice. Equal Housing Opportunity.
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• https://www.nmlsconsumeraccess.org/Enti-tyDetails.aspx/COMPANY/1907235