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Synergy One Lending, Inc., Santa Barbara, CA

Santa Barbara, CA
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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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Location & Business Hours
Business Hours
Fri
9 AM to 5 PM
Sat
closed
Sun
closed
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5 Star
97%
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2%
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Reviews from Web
  • B
    Brandon M
    Ladera Ranch, CA
    Posted on July 1st, 2025 12:11 AM
    Heather had great communication and resolved any questions we had quickly and efficiently!
    Reply from Heather Millspaugh
    July 1st, 2025 03:33 PM
    Thank you Brandon!
  • D
    Dan C
    Carlsbad, CA
    Posted on July 1st, 2025 12:07 AM
    I have the utmost confidence in James and his team. They are professional, yet personable, and stay on top of every detail before and during a transaction. I knew I could trust James with this particular high net worth client specifically because...
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    Reply from James S. Carmody
    September 15th, 2025 05:25 PM
    Thank you for your kind words Dan! It was a pleasure guiding your client through the process. I deeply appreciate the trust you place in my team and am excited to work with you again soon!
  • B
    Bradley K B
    Carlsbad, CA
    Posted on June 30th, 2025 05:47 PM
    The team communicated well and pushed to have everything done early So we could close on time.
    Reply from James S. Carmody
    June 30th, 2025 09:58 PM
    Thank you for your kind review, Brad! I deeply appreciate you taking the time out of your day to write us these kind words. Your feedback means the world to us, and it was an absolute pleasure guiding you through this process. My team and I...
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  • G
    Gregg A
    Encinitas, CA
    Posted on June 30th, 2025 04:08 PM
    Great weekly communication on status. Got the loan funded a week early.
    Reply from Matthew Shaver
    July 7th, 2025 07:58 PM
    Thanks Gregg! I enjoyed working with you, and look forward to handling more transactions with you.
  • for
    Alex Kirkland
    Encompass
    J
    Janet E B
    WADDELL, AZ
    Posted on June 28th, 2025 09:02 PM
    commun to let you know a task or item is needed.
  • E
    Essy F
    San Diego, CA
    Posted on June 27th, 2025 03:30 PM
    The team is very professional.
    Reply from Carmody Team
    June 30th, 2025 10:03 PM
    Thank you, Essy! It’s always a pleasure working with you. I truly appreciate your professionalism and the trust you place in me. Your business means the world. I’m always here to support you and your clients in any way I can!
  • M
    Majid R
    San Diego, CA
    Posted on June 27th, 2025 03:09 PM
    Professional, detail-oriented, timely service, friendly
    Reply from Carmody Team
    June 30th, 2025 10:05 PM
    Thank you for your kind words, Majid! It was an honor to walk you through this process. I truly appreciate the trust you placed in my team and me. We're always here to support you and your loved ones moving forward.
  • E
    Elizabeth I
    Poway, CA
    Posted on June 23rd, 2025 03:33 AM
    We tried multiple lenders before finding Sarah Lindsey, and the difference was night and day. With others, we often felt overwhelmed, dismissed, or simply not taken seriously. One lender even suggested we should leave California because we...
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    Reply from Sarah Lindsey
    June 23rd, 2025 07:07 PM
    I'm truly honored by your kind words, Elizabeth. It was a privilege to assist you and Anthony in finding your dream home and to provide the support you needed throughout the process. I had no idea about your previous lender experiences! I'm...
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  • E
    Elizabeth I
    Posted on June 23rd, 2025 12:00 AM
    We tried multiple lenders before finding Sarah, and the difference was night and day. With others, we often felt overwhelmed, dismissed, or simply not taken seriously. One lender even suggested we should leave California because we “couldn’t...
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    Reply from Sarah Lindsey
    August 5th, 2025 09:19 PM
    Elizabeth, thank you so much for sharing your experience. I'm truly moved by your kind words and the trust you've placed in me. It was my priority to ensure you felt comfortable and well-informed throughout the process. I'm glad I could be...
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  • P
    Philip C
    Laguna Hills, CA
    Posted on June 22nd, 2025 03:48 PM
    Constant communication and updates on needs/status.
    Reply from Heather Millspaugh
    June 22nd, 2025 04:31 PM
    Thank you Philip!
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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
    Our Company

    Time Zone

    Pacific Standard Time (PST)
    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