Federico Montoya
Sales Manager | NMLS # 319786
Hello, my name is Federico Montoya and I am Sales Manager | NMLS # 319786 based out of Westminster. Synergy One Lending, Inc. is a San Diego based mortgage lender that puts the client first. We understand the needs, wants and concerns of th...... 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
Had a great experiance with Federico, very easy to work with.
Reply from Federico Montoya
June 8th, 2026 05:12 PM
Alejandro, I appreciate your kind words. I'm glad to hear you had a good experience and found it easy to work with me. If there's anything more I can assist you with, don't hesitate to reach out.
Communication was excellent , very clear and precise , the whole team very proactive , everything when smooth. Very professional.
Reply from Federico Montoya
May 27th, 2026 09:58 PM
Thank you for taking the time to provide a review. It is very helpful to me an my team. Please reach out with any future mortgage questions!
Comunication
Reply from Federico Montoya
May 27th, 2026 09:59 PM
Thank you for taking the time to provide a review. It is very helpful to me an my team. Please reach out with any future mortgage questions!
Communication with them was excellent, and the overall experience was pleasant.
Reply from Federico Montoya
May 27th, 2026 09:59 PM
Thank you for taking the time to provide a review. It is very helpful to me an my team. Please reach out with any future mortgage questions!
Very good job with communication and explaining
Reply from Federico Montoya
May 14th, 2026 05:11 PM
Thank you for taking the time to provide feedback! It is very valuable to me and my team. Please reach out with any questions in the future.
Federico was always on top of it all. Even throught what we thought was a crazy thought of being able to make this closing possible he looked at all of the options for me and my family. If we decide to do this once again we will 100% be using...
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Reply from Federico Montoya
May 11th, 2026 01:59 PM
Leonardo, I'm grateful for your kind words and for trusting me with your family's needs. It's great to know that I could explore all the options to make your closing possible. If you decide to move forward again, I'm here to help with anything...
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Federico gave clear and precise communication to both my husband and I.
Reply from Federico Montoya
May 6th, 2026 02:08 PM
Thank you, Claudia. I'm glad to hear that the communication was clear and precise for both you and your husband. If there's anything else you need, please let me know.
he was very helpful
Reply from Federico Montoya
May 5th, 2026 03:07 PM
Thank you for your kind words, Noel. I'm happy to know that I could be helpful to you. If you have any more questions or need further assistance, please feel free to reach out.
We were kept informed of each step of the process. Everyone was professional and very helpful.
Reply from Federico Montoya
April 11th, 2026 07:30 PM
Thank you for taking the time to provide feedback! It is very valuable to our team. Please reach out with any future mortgage needs!
Working with them was smooth from start to finish. Communication was clear, they moved quickly, and always made sure we understood every step. They truly made the process stress-free.
Reply from Federico Montoya
April 2nd, 2026 05:03 PM
I'm pleased to hear that your experience was smooth and clear throughout the process, Oscar. It's important to me that communication is effective and that you feel informed every step of the way. I'm glad I could help make the process stress-free...
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About
Hello, my name is Federico Montoya and I am Sales Manager | NMLS # 319786 based out of Westminster. Synergy One Lending, Inc. is a San Diego based mortgage lender that puts the client first. We understand the needs, wants and concerns of the client, which is why we dedicate ourselves to providing the best customer experience for each transaction. Contact me today so we can make your home buying dreams a reality!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
Conforming Fixed & Adjustable Rate
FHA, VA & USDA
Non-QM, Jumbo & Super Jumbo
Down Payment Assistance
Digital HELOC*
Search Rank ScoreLearn More →
456
/850
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Memberships
- NMLS
- Hispanic Chamber of Commerce
- NAHREP
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Addresses and Serving Areas
Year Started
2004
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 319786
Achievements
- President's Club
- Chairman's Club
Hobbies
- Snow Skiing
- Coaching Basketball
- Coaching Baseball
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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://s1l.com/licensing/
• https://www.nmlsconsumeraccess.org/Enti-tyDetails.aspx/COMPANY/1907235