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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Federico was a great communicator and extremely knowledgeable. He was always available to answer our questions and kept us on track for a quick close.
Reply from Federico Montoya
July 9th, 2026 01:00 AM
Thank you for taking the time to provide feedback, it is highly valuable to me and my team! Please reach out with any future mortgage needs.
Kelli from the team always answered my questions as soon as possible
Reply from Federico Montoya
July 8th, 2026 03:17 PM
Thank you for taking the time to provide feedback. It is very valuable to our team. Please reach out with any questions in the future.
Gracias por la ayuda
Reply from Federico Montoya
July 3rd, 2026 05:36 PM
Thank you Harry for taking the time to provide feedback. Please call us with any questions in the future.
Thaks you for Everything you guys did for us we appreciate looking forward to to buy our next home in a couple years but thanks for been there for us
Reply from Federico Montoya
July 2nd, 2026 04:03 PM
Thank you for taking the time to provide feedback! Please reach out in the future if you have any questions
Worked with Federico on three purchases now. Great every time.
Reply from Federico Montoya
June 29th, 2026 03:07 PM
Thank you for taking the time to provide feedback! It is very valuable to us!
Good very nice
Reply from Federico Montoya
June 23rd, 2026 03:42 PM
Alberto, I appreciate your positive feedback. I'm happy to hear you had a nice experience. If there's anything more I can do for you, feel free to reach out.
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!
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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*
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Memberships
- NMLS
- Hispanic Chamber of Commerce
- NAHREP
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Addresses and Serving Areas
Primary Serving Area
Other 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.
• https://s1l.com/privacy-policy/
• https://s1l.com/licensing/
• https://www.nmlsconsumeraccess.org/Enti-tyDetails.aspx/COMPANY/1907235