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
Fri
9 AM to 5 PM
Sat
closed
Sun
closed
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Reviews from Web
Federico and his team are so great to work with! They make the usual stressful loan experience feel easy with their quick responsiveness and knowledge. I can't recommend them enough!
Reply from Federico Montoya
March 20th, 2026 03:18 PM
I'm grateful for your kind words, Sean. It's rewarding to hear that I, along with my team, could make the loan process smoother for you. Quick responsiveness and knowledge are priorities for us, so knowing that these aspects made a positive...
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Helped throughout the whole process, never let us down !
Reply from Federico Montoya
February 22nd, 2026 12:21 AM
I'm glad to know that you felt supported throughout the entire process, Samantha. I'm committed to being there every step of the way, and it's rewarding to hear that I met your expectations. If you have any more questions or need anything else,...
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Easy process
Reply from Federico Montoya
February 22nd, 2026 12:21 AM
Thank you Tony. Please reach out with any future mortgage needs
They gave me confidence at all times and I felt very comfortable working with you.
Reply from Federico Montoya
February 22nd, 2026 12:21 AM
Thank you Rosana, I appreciate you taking the time to provide feedback. Please let me know if you have any questions in the future
Everything that they told me happened they way they said it. They made me feel comfortable
Reply from Federico Montoya
February 22nd, 2026 12:19 AM
Thank you Gaby for taking the time to provide feedback, it is very valuable to me and my team!
Knowledge and prompt response
Reply from Federico Montoya
February 22nd, 2026 12:18 AM
Thank you for taking the time to provide feedback. Please let me know if you have any mortgage needs in the future.
Federico was great communication wise. Anytime I called no matter what time of day he picked up the phone. He represented the buyer for my listing. I will definitely refer him to potential buyers.
Reply from Federico Montoya
June 29th, 2026 03:08 PM
Thank you for taking the time to provide feedback, please let me know if I can be a resource to any buyers!
EVERYTHING ! I THANK YOU FOR ALL YOUR HARD WORK & SUPPORT , THAT YOU & ALL YOUR TEAM PUT IN TO MAKE THIS POSSIBLE .
MUCHAS GRACIAS
Reply from Federico Montoya
February 9th, 2026 03:05 PM
I'm really pleased to know that you felt supported throughout the process, Adrian. Your kind words about the hard work and dedication displayed by everyone involved are much appreciated. If there's anything more I can do for you, just let me...
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Great communication and very organized
Reply from Federico Montoya
February 5th, 2026 09:47 PM
It's encouraging to hear that you appreciated the organization and communication, Audrey. I aim to ensure these aspects are consistent in my work with clients. Should you have any questions or need further assistance, feel free to reach out...
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The process was clear and organized. Communication was outstanding.
Reply from Federico Montoya
February 5th, 2026 04:05 PM
I'm glad to hear that you found the process clear and well-organized, Trevor. Effective communication is something I strive for, so it's great to know it made a difference in your experience. If you have any further questions or need assistance,...
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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