Jason Montoya
Loan Officer | NMLS # 234611
I am a native San Diegan with over 20 years of experience in financial services, credit, insurance, and banking. My goal as a trusted advisor is to help provide my clients with the best financial tools available to ensure that they are plac... 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
I recently meet with Jason Montoya, and it was a really pleasant experience. He was sharp, knowledgeable, and took the time to walk me through the various loan programs in a way that was easy to understand. Anyone needing loan guidance, Jason...
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Reply from Owner
January 9th, 2026 10:06 AM
Thank you for your wonderful feedback! We're thrilled to hear that Jason provided you with such an informative and enjoyable experience. Your recommendation means a lot to us, and we're glad to know you found his guidance helpful. If you need...
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Jason is very professional, responds immediately and is a pleasure to work with.
My loan process with cynergy one lending was the best👌!My loan officer Jason Montoya made the whole application process very easy and fast, he was able to get me the amount I needed fast and easy.This is the best experience I've had getting...
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Reply from Owner
January 9th, 2026 10:06 AM
Thank you for your wonderful feedback, Miguel! I'm thrilled to have been able to help you!
Jason Montoya has received a review with 5 star rating from Shishir B
Reply from Owner
January 9th, 2026 10:06 AM
Thank you for your 5-star rating! We appreciate your support and are glad to know you had a positive experience with us. If you have any feedback or suggestions in the future, we would love to hear from you.
The while process was smooth and Jason was there to guide all along the way . Answered every questions in a veey professional way excellent job
Jason was super helpful. he goes above and beyond to ensure that I understand the loan process and helping me with getting the right insurance coverag.
The communication and availability was very helpful, along with the ability to simply break down complex processes.
He was always reachable and responded to my questions even when they were rediculous
Reply from Jason Montoya
May 19th, 2025 11:40 PM
Thank you for your 5 star review Hassan! It was a pleasure working with you again! :)
I had the pleasure of working with Jason on securing my home loan, and I couldn’t be more grateful for him support throughout the process. Despite a very short contingency period, Jason made the entire experience feel smooth and stress-free....
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Reply from Owner
January 9th, 2026 10:06 AM
Thank you so much for the wonderful review Daniel! I'm thrilled we were able to help pull this together for you!
Jason is amazing at his job! He is very communicative with me and my clients, and helps provide a smooth transaction for all parties involved.
Reply from Jason Montoya
April 9th, 2025 10:48 PM
Thank you Merek for your review! Love these homeruns we keep hitting!
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About
I am a native San Diegan with over 20 years of experience in financial services, credit, insurance, and banking. My goal as a trusted advisor is to help provide my clients with the best financial tools available to ensure that they are placed into the strongest financial positions possible. My clients have benefited from being given choices tailored to their unique situations and goals making our process one of the most valuable experiences of a lifetime.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
No Appraisal, No Doc HELOCS, close in as little as 5 days
Renovation, Fix and Flip, DSCR Investor loans
Down Payment Assistance
Mortgage loans including: Conventional, FHA, VA, Jumbo, HELOC, Commercial, Private money, and more
Mortgage, Digital HELOC, FHA, VA, Conventional, Jumbo, Super Jumbo, Reverse Mortgage, Renovation Lending, Down Payment Assistance, First Time Buyer, USDA, Non-QM
Conforming Fixed & Adjustable Rate
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Memberships
- University Club
- LGBTQ+ Real Estate Alliance
- Young Executive Society Emeritus
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2008
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 234611
Awards
Achievements
- 10 years with Finance of America
Hobbies
- Hiking
- Traveling
- Wine Tasting
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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