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
Very easy process, thank you!
Reply from Federico Montoya
January 27th, 2026 09:02 PM
Thank you Yasmeen! Please let us know if you have any questions in the future
Efficienc, communication
Reply from Federico Montoya
January 27th, 2026 09:02 PM
Thank you for taking the time to provide feedback!
Frederic has been a great part gre help always there for any question fast response
I will recommend Federico for friends and family any one out there
federico and mayra awesome people!!!
Reply from Federico Montoya
January 13th, 2026 06:10 PM
Your acknowledgment means a lot to me, Manuel. I'm truly pleased to be able to assist you with your questions promptly. It's wonderful to hear you'd recommend my services to friends and family. Mayra and I are grateful for your kind words,...
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Check ups to make sure all information is correct and present
Reply from Federico Montoya
December 17th, 2025 09:34 PM
I’m grateful for your feedback, McKenzie. Ensuring that all information is accurate and complete is a priority for me. If there's anything more I can do to assist or clarify please feel free to reach out.
Everybody with Synergy One was fantastic with making sure we had everything set up to close on time. Mark Griffin was also fantastic in getting the process started and getting me in contact with Federico Montoya to finish the home buying process....
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Reply from Federico Montoya
December 17th, 2025 09:35 PM
Thank you Ryan for taking the time to provide feedback, it is very valuable to me and my team! Please reach out with any mortgage needs in the future.
Fed was super informatvie and patient with me, this was my first time buying a home and he was so helpful! When I was closing with the title company the closer was very pleased with Fed and said because of him the closing process was very smooth...
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Reply from Federico Montoya
December 17th, 2025 09:36 PM
Thank you Sami for taking the time to provide feedback! Please reach out with any future mortgage needs! Congratulations to you and Joe as you start your new life together!
Informatative, super helpful and made this process easy!
Reply from Federico Montoya
December 1st, 2025 08:53 PM
Thank you for taking the time to provide feedback, it is very valuable to me and the team! Please reach out with any questions or future mortgage needs
Federico is awesom. I feel like he genuinely wants everyone to make the be decision and he helped us do tha.
Reply from Federico Montoya
December 1st, 2025 08:53 PM
Thank you for taking the time to provide feedback, it is very valuable to me and the team! Please reach out with any questions or future mortgage needs
Federico came in to save the day, and was able to close the transaction in less than two weeks. His team is great and on top of things!
Reply from Federico Montoya
December 1st, 2025 08:53 PM
Thank you for taking the time to provide feedback, it is very valuable to me and the team! Please reach out with any questions or future mortgage needs
Everything went smoothly and there were no surprises.
Reply from Federico Montoya
December 1st, 2025 08:52 PM
Thank you for taking the time to provide feedback, it is very valuable to me and the team!
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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.
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• https://s1l.com/licensing/
• https://www.nmlsconsumeraccess.org/Enti-tyDetails.aspx/COMPANY/1907235