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
Jason was amazing in helping us secure our financing at a great comparable rate!
Not only was Jason incredibly knowledgeable about every step of the process, but he managed to get us great loan terms and close the loan even a week earlier than our already short close period. Wow! I can’t say enough.
Reply from Owner
January 9th, 2026 10:06 AM
Thank you for your fantastic review, Mitchell! It means a lot and so thrilled to have helped make this happen!
Not only was Jason thoroughly knowledgeable about every detail of the process, but he helped us get very good terms and handled the process unbelievably fast!
I recently met with Jason at Synergy One Lending, and it was a great experience. He was incredibly knowledgeable and helped me understand the different loan programs available. The main highlight for me was learning about Synergy One’s streamlined...
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Reply from Owner
January 9th, 2026 10:06 AM
Thank you for your positive review, Jackson! We’re thrilled to hear that you had a great experience with Jason at Synergy One Lending. His expertise and our streamlined processes aim to make every client's experience as convenient as possible....
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Highly recommend Jason, professional, hardworking, strategic in figuring out every possible way to get the funding done for Home buyers, and Investors in San Diego real estate. Mortgage Jay is the Way!
Reply from Owner
January 9th, 2026 10:06 AM
Thank you for the kind words and 5 star review Keri!
My wife and I have worked with Jason on several purchases here in San Diego. Jason has always come through and has always provided us with the best options for loans and mortgages.If you are in need of a home mortgage or refinancing, Jason...
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Reply from Owner
January 9th, 2026 10:05 AM
Thank you for your wonderful review, Ino-chi! We're thrilled to hear that you and your wife have had such positive experiences with Jason. Your trust in our services means a lot to us, and we're glad we could assist you through complex situations....
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Jason is an absolutely joy to work with. He’s an amazing communicator and works quickly. He explained everything to me so that we were always on the same page. 10/10 experience!!
Reply from Owner
January 9th, 2026 10:05 AM
Thank you for the 5 star review! So thrilled to have been able to help you with this milestone achievement! 😁
Jason was an absolute joy to work with. He walked me through every step and was wonderful at communicating.
Jason Montoya has received a review with 5 star rating from Oscar C U
Reply from Owner
January 9th, 2026 10:05 AM
Thank you for your 5-star rating, Oscar! We're grateful for your support and look forward to serving you again.
Very smooth and he work very had on our behalf.
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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.
• https://s1l.com/privacy-policy/
• https://s1l.com/licensing/
• https://www.nmlsconsumeraccess.org/Enti-tyDetails.aspx/COMPANY/1907235