

Jim Murphy
Producing Branch Manager


Washington State University
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 tran... Show More
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24 hours
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Reviews from Web
Jim and his team were great throughout the mortgage process. I greatly appreciated the video calls where he thoroughly explained the process, kept us up to date with frequent communication via email and text, and was efficient and transparent...
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Reply from Jim Murphy
April 4th, 2026 12:08 AM
I'm pleased to hear that the video calls and regular communication made your mortgage process clear and manageable, Brent. I aim to ensure efficiency and transparency every step of the way. Thank you for your kind words about my team and me....
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Jim is more than just a mortgage broker. He seeks solutions and strategies for helping clients achieve their goals in real estate. This is why clients love working with him. He takes the time to help educate and bring clarity to a complex proces....
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Reply from Jim Murphy
April 1st, 2026 03:36 PM
I'm grateful for your thoughtful feedback, Marla. It's important to me to help clients navigate their real estate goals with clarity and understanding. I appreciate your acknowledgment of my efforts to provide solutions and strategies tailored...
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I've worked with Jim Murphy for years and once again everything was perfect! Thanks Jim!
Reply from Jim Murphy
March 31st, 2026 10:57 PM
Thank you for your continued trust and kind words, Bob. It means a lot to hear that your experience was perfect once again. If there’s ever anything more I can do for you, please don’t hesitate to reach out.
Jim and his team are very knowledgable and patient. They made the experience very smooth.
Reply from Jim Murphy
March 31st, 2026 02:23 AM
I'm glad to hear that you found the process smooth and that the knowledge and patience of my team and me made a positive difference, Al. If there's anything else I can help you with in the future, feel free to reach out.
Clear and easy communiation between us and the whole Murphy team - as well as everyone was very flexible in order to accomidate our moving closing forward by a week.
Reply from Jim Murphy
March 29th, 2026 10:20 PM
It's great to hear that the communication with my team and me was clear and effective for you, Anitra. I'm glad we were able to be flexible to accommodate the schedule change for your closing. If there's anything else I can assist you with,...
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Very good communication. I always felt like I knew what was happening.
Reply from Jim Murphy
March 29th, 2026 03:05 PM
I'm glad to hear that effective communication made a positive impact on your experience, Joel. Keeping you informed is a key part of my approach. If there's ever more I can do to assist you, please let me know.
Jim shared his expertise accessibly and was a patient thought partner throughout our first refinance process. He was available when we needed him and digiently guided us through each milestone. We ended up refinancing during a rate sweet spot,...
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Reply from Jim Murphy
March 25th, 2026 11:44 PM
I'm pleased to know that your first refinance process went smoothly, Hayley. Being accessible and providing diligent guidance is something I strive to do for clients like you. I'm glad we were able to secure the refinancing during a favorable...
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Knowedgeable and trustworthy team with great communication
Reply from Jim Murphy
March 24th, 2026 03:19 AM
Thank you for highlighting my team's knowledge and communication efforts, Zachary. Maintaining trust and open lines of communication is essential in my work. If there’s anything else you need or any questions you may have, please don't hesitate...
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Jim is great! we have worked with Jim twice now and always amazimg service .
Reply from Jim Murphy
March 22nd, 2026 10:59 PM
Thank you for sharing your experience, Shane. It's a pleasure to have had the opportunity to work with you again. Providing consistent and reliable service is important to me, and I'm pleased to know you were satisfied both times. If there's...
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Jim was very friendly, attentive, and helpful in our refinance process. He answered any questions and provided detailed clarification where needed. He was quick to respond and kept us informed throughout the process. He was aboe to inform us...
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Reply from Jim Murphy
March 22nd, 2026 04:09 PM
I'm really glad to hear that you found the refinance process smooth and informative, Nicholas. Providing detailed explanations and keeping the communication lines open are priorities for me. It's great to know you’re happy with the rate secured....
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About
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.
Our core values drive our business from the ground up and are reflected among every department, employee, manager and executive. Striving for excellence is not just a goal to us, it's a state of mind.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Home Renovation Loan
Mortgage Refinance
Construction Loan
Bridge Loans
Non-QM
Reverse Loans
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Education
- Washington State UniversityBusiness Administration / FinanceBA managementApr 2004 -Dec 2008

Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS - 1275965 - Licensed in: Washington, Idaho, Oregon, Arizona, California, and Colorado
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