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
Mon
9 AM to 5 PM
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
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Reviews from Web
Fed is the man. willl always trust him with all my home loans.
Reply from Federico Montoya
October 16th, 2026 04:49 PM
Thank you for providing feedback Quoc!
easy to communicate with, always available to help and very kind/patient
Reply from Federico Montoya
October 12th, 2026 02:43 AM
Thank you for taking the time to provide feedback, it is highly valuable to me and the team. Please let us know if we can be of any assistance in the future.
Siempre buscan la solución a cada obstáculo que se nos ponía en el camino
Reply from Federico Montoya
October 16th, 2026 04:51 PM
Gracias por sus comentarios. Son muy valiosos para mí y para mi equipo. No dude en ponerse en contacto con nosotros si tiene alguna pregunta en el futuro.
Frederico was excellent. always available to answer any questions at anytime!!!
synergy lending was great. I'll recommend to anyone looking for a home!
Reply from Federico Montoya
October 10th, 2026 08:27 PM
Thank you for taking the time to provide feedback. Congratulations Dino and please let me know if I can answer any questions in the future
I was the listing agent. His transaction coordinator Kelli was our point of contact and I didn't really communicate with Frederico during the transaction much except the beginning and at the end.
Reply from Federico Montoya
September 29th, 2026 07:50 PM
Thank you for your feedback. I apologize if you feel our communication was lacking. I rely on Kelli to communicate and to send out milestone updates, appraisal ordered, appraisal received, clear to close. In-between I also send out milestone...
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Essy to work with, very helpful. Would answer any questions we had, and was available pretty much any time of
Reply from Federico Montoya
September 25th, 2026 10:07 PM
Thank you very much for taking the time to provide a review, it is very helpful for me and my team! Let me know if you have any other questions in the future.
Un servicio excelente por parte de los colaboradores, y asesoría de
Reply from Federico Montoya
September 21st, 2026 08:17 PM
Carlos, me alegra mucho saber que recibiste un servicio excelente y una buena asesoría de parte del equipo de Synergy One Lending, Inc. Si en algún momento necesitas más ayuda o tienes preguntas adicionales, no dudes en contactarme.
Timely communication and feedback!
Reply from Federico Montoya
September 4th, 2026 05:50 PM
Thank you for taking the time to provide feedback Yesenia. Please reach out with any future questions or concerns!
Exellent service and comunicacion. Good team 👏
Reply from Federico Montoya
September 4th, 2026 05:51 PM
Thank you for taking the time to provide feedback, it is valuable to me and my team! Please let us know if you have any questions or future mortgage needs.
Easy process.
Reply from Federico Montoya
September 4th, 2026 05:51 PM
Thank you for taking the time to provide feedback, it is valuable to me and my team! Please let us know if you have any questions or future mortgage needs.
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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