Ralph Ponce
Branch Manager
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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9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM(Open now)
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Reviews from Web
The respectful honesty way of helping us it gave me the confidence of working with your team thank you for the help and to Make my family dream true
Reply from Ralph Ponce
July 27th, 2026 07:37 PM
Juan, I'm pleased to hear that the respectful and honest approach of my team at Synergy One Lending gave you the confidence you needed. It's wonderful to know we could help make your family's dream come true. Thank you for your kind words!
Our experience was wonderful from start to finish. The entire refinancing process was smooth and stress-free. Everyone was responsive, professional, and worked around our busy schedules to make the process as convenient as possible. The communcation...
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Reply from Ralph Ponce
July 21st, 2026 06:31 PM
Angelica, I appreciate your kind words and am happy to hear that you had a smooth and stress-free refinancing experience with my team and me at Synergy One Lending. It's great to know that our efforts in communication and flexibility made a...
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Exc service by very experienced staff, specifically Oscar Garcia. His knowledge throughout the process was fantastic. While the process can be stressful at times, Oscar kept me calm from start to closing. Thank you!
Reply from Ralph Ponce
July 15th, 2026 03:49 PM
Robert, I'm grateful for your kind words about Oscar and the experience you had with us at Synergy One Lending. It's wonderful to know that Oscar's expertise helped make the process smoother for you. Thank you for sharing your positive experience!...
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Thank you so much for helping me on my Loan. Ralph was super helpful and he explained the whole process and walked us through every step along the way
If you’re looking for someone reliable, professional, and truly dedicated to their clients, I highly recommend working with this lender. They made what can be a stressful process feel simple and seamless.
I had an amazing experience working with this mortgage lender. They were always available to answer my questions and kept me updated every step of the way. I truly felt supported throughout the entire process. I’m very grateful and would definitely...
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Great experience working with this mortgage lender! They were professional, responsive, and made the entire process smooth and stress-free. Everything was explained clearly, and they stayed on top of everything from start to finish. Highly...
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Was able to do my business in a timely manner. Service was awesome and no wait time.
Once your loan goes through the local office they have no power to service your loan. Corporate makes anything inconvenient to them impossible to resolve. Go with a mortgage company where local people can still help service your loan. Great...
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Ralph Ponce has received a review with 5 star rating from Sabyne Mendez
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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
Mortgage Refinance
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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