Mike McCulloch
Loan Officer | NMLS #1676636
Hello, my name is Mike McCulloch and I am Loan Officer | NMLS #1676636 based out of Idaho Falls. 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 c... Show More
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9 AM to 5 PM
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Mike was absolutely awesome to work with! He was always willing to answer our questions or give us updates, even after hours. As first-time homebuyers, we were intimidated by the process, but he made sure to explain everything clearly so we...
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Reply from Mike McCulloch
March 16th, 2026 05:15 PM
Heather, I'm really pleased to hear that you had such a positive experience. Being available to answer your questions and provide updates is important to me, especially for first-time homebuyers who are navigating this process for the first...
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Communications wasn't fluid. Synergy got personal financial records for the application disorganized and missing. Had to resend records multiple times.
Mik took care of everything and even closed ahead of schedule. He was very good in his communication and would recommend to anyone.
Literally everything!!! Mike made this process so quick and easy. Communication was on point and he made it so stress free! Would 1000% use him again and will recommend him to anyone that comes my way!
Mike made the process as simple and easy as possible, and always made sure things were taken care of.
Closed on time and process was smooth
Quick, friendly service
Easy quick not a lot of wasted steps.
I appicate Mike's work and he keep posting information and communication with my husband. He is really professional and help a lot in this process. However, I would expected have more information for closing day or so. For example: we assumed...
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Mike did a great job communicating and finding solutions!
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About
Hello, my name is Mike McCulloch and I am Loan Officer | NMLS #1676636 based out of Idaho Falls. 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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Positions
- Synergy One Lending - Mortgage Loan OfficerJan 1st, 2018 - Current
- Sand Hill Media - account executiveNov 1st, 2012 - Apr 1st, 2018
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS #1676636
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://www.nmlsconsumeraccess.org/Enti-tyDetails.aspx/COMPANY/1907235