Monica Emmert - Synergy One Lending
Reverse Loan Officer
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
Location & Business Hours
Business Hours
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9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
This is our second experience re: reverse mortgage with Monica Emmert. There is no one like her - very knowledgeable, competent, and dedicated to the needs of her clients. She is a great asset to her company. Highly recommended to every family....
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Reply from Monica Emmert - Synergy One Lending
June 29th, 2026 02:52 PM
Thank you so much for your thoughtful review, Angelina. I'm so grateful for the opportunity to help you again and truly appreciate the trust you've placed in me with your reverse mortgage needs. Knowing I was able to make the process easier...
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Awesome work!
Reply from Monica Emmert - Synergy One Lending
June 25th, 2026 01:21 PM
Thank you, Dorothy! I'm glad to hear you were pleased with my work. If there's anything else I can assist you with, feel free to reach out.
Monica was great at everything. Kept me informed about progress and answered all my questions. Thanks again.
Reply from Monica Emmert - Synergy One Lending
June 17th, 2026 06:42 PM
Thank you, Keith, so much for your kind words! It was truly a pleasure working with you. I'm glad I could keep you informed throughout the process and help answer your questions along the way. Communication is very important to me, and I appreciate...
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I felt at ease working with Monica
Reply from Monica Emmert
March 11th, 2026 08:01 PM
Thank you for sharing your experience, John. It's important to me that you felt comfortable throughout the process. If there's anything more you need or any questions you have in the future, please feel free to reach out.
I worked with Monica several years ago when I was approaching retirement. Monica had a loan product that allowed us to stay in our forever home with a much lower payment. She has kept in touch over the years, even after she left her previous...
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Reply from Monica Emmert - Synergy One Lending
February 13th, 2026 08:59 PM
Thank you so much John for your kind words. It truly means a lot that you trusted me years ago as you approached retirement and again when it was time to eliminate your mortgage payment entirely. Helping you and your wife remain in your forever...
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The idea of getting into a reverse mortgage was daunting at first since we didn't really understand the ramifications, but once we started working with Monica it was clear that she was an expert in this type of mortgage. Each time we had a...
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Reply from Monica Emmert
January 9th, 2026 06:10 PM
Thank you for your feedback! I’m so glad to hear you felt informed and in the loop throughout the process. Communication is so important, and I always aim to keep things clear and straightforward. It was a pleasure working with you and Blaine....
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there were some bumps along the way but Monica got it done...thank you...
Reply from Monica Emmert
December 26th, 2025 05:57 PM
I appreciate your patience throughout the process, Wade. It’s good to know we were able to get everything completed for you. Thank you for your understanding and for choosing me to handle your needs.
Mónica was very pleasant and was able to answer all of my questions. She is very easy to talk to and knowledgeable about all the services being offered
Reply from Monica Emmert
October 2nd, 2025 07:36 PM
Traci, I'm glad to hear that you felt comfortable and informed during our discussions. It's important to me that all your questions are addressed, and I'm pleased that my approach resonated with you. Thank you for sharing your experience.
Monica keep me in the loop durnig entire process
Reply from Monica Emmert
August 18th, 2025 01:26 PM
Thank you for your feedback! I’m so glad to hear you felt informed and in the loop throughout the process. Communication is so important, and I always aim to keep things clear and straightforward. It was a pleasure working with you!
My situation was unique and Monica kept making good suggestions that got me to the finish line. Great knowledge AND care
Reply from Monica Emmert
August 18th, 2025 01:25 PM
Thank you so much for your kind words! I'm really glad I could support you through your unique situation and help guide things to the finish line. Every client’s journey is different, and it means a lot to know that the suggestions and care...
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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
Jumbo Home Loan
Specialities
FHA HECM
Jumbo Reverse Mortgage
HomeSafe Proprietary Reverse Mortgage
Home Equity Lines of Credit (HELOC)
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Positions
- Synergy One Lending, Inc. - Loan OriginatorMar 3rd, 2025 - Current
- GMFS Mortgage - Loan OriginatorOct 30th, 2023 - Feb 26th, 2025
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2015
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS: 1294719
Hobbies
- Boating, hiking, camping, biking, swimming, quilt making, DIY home projects, mobile games.
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