I have been with Synergy for about five months and it has been the most horrible experience I've ever had with a lending company. It takes three weeks for them to post a payment. They removed one payment and didn't credit it back correctly making it appear that I hadn't paid. They reported to the credit bureau that I had missed a payment making my credit score go from almost 800 to 636. They are difficult to work with and I can't wait to get off them and with another company. HORRIBLE, HORRIBLE customer service. read more

Horrible!! we had a buyer been going thought this 6 weeks, we signed all the papers then the day of their signing they said a lot of things had to be removed or fixed!! we had permits on everything!!! then I read in another review about we can find something wrong in inspection and you can get out of it!!! and tht did the person they used said they had a license on their website but didn't bother to look it up AND NO LICENSE!! A nice family lost and so did we but read more

Chris Doyle went above and beyond my expectations!! I am so employed, and it was a very complicated situation. I never thought I would see the day of purchasing a home about ready to give up and someone had recommended Chris Doyle Chris worked very hard on trying to find a loan that would work for me and he succeeded if you are like me and have your doubts about being able to purchase a home please contact Chris if anybody can do it, he can I am so glad someone to me!! read more

I had the opportunity to work with Edgar Gonzalez on an ITIN client. This was a highly complicated loan however Edgar made it happen in 16 days and communicated at a high capacity. we both spoke multiple times a day and set a gameplan together that ended up with a happy client in a new home! I highly recommend Edgar for all of your mortgage needs. read more

I am writing this review regarding two separate refinancing experience I had with Synergy One Lending Jay Jenkins 5675 DTC Blvd, Suite 250, Greenwood Village, CO 80111 Overall the process went smoothly. However, they did not keep with their agreement and commitments to Quit Claim both of my proprieties back into my corporation. I have sent numerous emails to Shay and Ashley with no response. I had to call Ashley on the phone to check the status and she told me she would email and cc me with the Escrow companies involved. To this date NOTHING has been done to assist with our agreement. read more

if i could leave a negative star review, I would. Our lending agent Nichole Kelley was horrible.Terrible lack of communication went multiple weeks of zero communication or updates despite our repeated attempts at getting an update. Avoid this person at all costs. completely clueless throughout the entire process, and we now are having to switch lenders 10 days before closing and may lose our home. BEWARE AVOID WORKING WITH THIS COMPANY AT ALL COSTS IF YOU VALUE YOUR TIME/MONEY. read more

These folks really came through for us! Charmain and her girls were the best! They handled our VA loan with the best attention to detail and care! read more

This company does its outreach mortgage business as "Mutual of Omaha Mortgage" whereas its real name is "Synergy One Lending". I relied heavily on the Mutual of Omaha name and assumed erroneously that it was a subsidiary of the Mutual of Omaha Insurance Company. The initial Loan employee I spoke with quoted me $3,500 of closeout cost for the fixed mortgage loan, and I initiated my written loan inquiry with the firm and I provided the documents they deemed necessary. Then, I spoke with the loan approval official and he quoted me over $5,000 of closeout cost ($1,700 was added for points which is a form of prepaid interest). I accepted this additional closing cost and afterward the process move on quickly to an appraisal of my property, which I paid directly to the company. After completion of the appraisal, the company provided me a loan estimate which included an additional $710 referred to as a "Rate Lock Fee". However, a fee for this action was never discussed with me, yet the company implied that I had requested it and required my signature for this action. I have refused to agree with this additional closing cost, which now totals more than $6000, and the company has failed to initiate any action to complete the necessary title and closing action. The bottom line, you can not believe what this company tells you about their cost for closing out a mortgage loan. read more

Well! Synergy just replied to my Yelp with a "registered letter". As anyone could possibly imagine they defended each point I had addressed. I appears their phones don't work as nobody was able to call and really TALK and find out how and why we were treated so horribly. Just one justification after another. Just like talking to a bad child. We explained over and over about the deposits that were in question. My husband's mother had just passed away!!!!!!! They kept going back to" Deposits like this are normally suspicious ". Yes we know family dying is suspicious!!!!!!!! These people literally pounded us constantly for redundant and insane information. Even to the point of add in a bogus about to the closing costs to pay off our car that was ALREADY PAID OFF. We were harassed. I wouldn't recommend my worst enemy to Synergy! SOMEONE IS TAKING DOWN OUR POST!!! read more

Billie Cardenas in Colorado was very helpful in refinancing our mortgage in about 4 weeks while rates were super low. She was patient with all my questions, and was very helpful in walking me through the process. There were a few hiccups along the way, but Billie helped solve them quickly and we closed only one day later than expected. Highly recommend working with Billie. Looking at the other mixed reviews, your experience may depend on whom you work with. read more

Watch for scams, Just finished a Refi on our home. The agent I dealt with was great and the initial process wen smoothly. The issue came after we closed. I was told by the agent that their company generally sells off loans quickly and this is what happened with my loan as expected. I made my first payment through the new loan servicer as instructed. On the 9th of the month, Synergy 1 emailed me a "friendly reminder" that I needed to make my mortgage payment to them. I called to clear up this situation and after a couple hours of back and forth and some heated discussion, they finally told me they would reach out to the new servicer and try to collect from them. I have never dealt with such rude customer service and this time of scammy practice. read more

I can't believe that in 2020 and there's still a bank that offer ZERO online access to your mortgage account. You have to make all your payments and requests thru mail. Going thru all hassle just to make an extra payment. I wished I knew this before I refinance with this company. So disappointed at costco to use this lender as one of the options for their members. read more

We accepted an offer from their buyer only to be DELAYED CLOSING two weeks and after 6 weeks of accepting the offer they inform us after we've moved out of the home that they were not approving his loan based on fraud. You would think they would have found fraud in the initial stages, but not. This has severely inconvenienced my family as we still have to pay that mortgage and pay expenses for where we are now living & now have to legally get out of the contract and relist. Terrible company to work with and I will be advising everyone I know not to work with them or accept any offers. Total waste of time and money. Inexperienced, doesn't thoroughly audit and is beyond unprofessional. DO NOT USE!!!!!! read more

We had the absolute WORST experience with Kelly Cameron at Synergy One lending. We almost lost our future home, and didn't close on the deal because of what a nightmare it was. First, our lender was extremely unprofessional and unorganized. She would randomly text us here and there asking us for documents needed, etc. She gave us a preapproval letter but told me "this isn't an actual real preapproval- it's just something to show your relator" WHO DOES THAT?! Isnt that the whole point of a preapproval? To make sure you'll be able to secure the loan with said lender? When I asked her about it, because I was worried that we were under contract on a home but didn't even have a "real" pre-approval yet- she said "well if it comes down to it, we can find something wrong during the inspection and you can get out of the contract". I grew super skeptical so I reached out to another lender who was/is AMAZING! They quickly took over, got us a real preapproval (and approval) and closed to deal in under 30 days. Oh yeah! Our lender Kelly (with synergy) then reached out to me and said "really??? You're breaking up with me over text message?" SO extremely unprofessional. I'm writing this review because I don't want someone else to lose their dream home because of this companies horrible business practices. read more

Our overall experience with SynergyOne was average. We went with this company based on a referral and due to our prior loan company not providing a competitive enough rate. The initial impression with SynergyOne was fantastic. The team lead took several opportunities to thoroughly answer all of our questions and the company offered an extremely competitive rate. We felt very comfortable moving forward with SynergyOne over another company. The issues began once we started the actual escrow process. Once we found a home, the representative gave us an elevated rate and explained "rates were on the rise so we would need a signed contract to lock in the new rate." We sent over a signed contract within 24 hours but did not receive any confirmation of our rate, despite numerous follow ups from us over the next few days. We eventually received contracts confirming this new rate. However, after nearly three weeks into the escrow process, we were advised the rate increased again, despite the signed contracts. This was two business days before the end of the loan contingency, so we needed to make a quick decision. We escalated our concern to the representative's manager who was able to negotiate a slightly lower rate, but ultimately, the company still did not honor the signed contracted rate. We were then sent closure documents that were not proof-read, but we were told the final escrow documents would reflect the correct information, so we should sign as soon as possible to ensure timely closure. Specifically, we were advised by signing these documents on a Wednesday, we could receive and notarize the final documents on Saturday to close escrow the following Tuesday (which was already a very quick turnaround).Then on Friday afternoon, we were told documents weren't processed in time, so we'd need to sign Monday. When I called SynergyOne, the new representative told me she was still pushing for Saturday. On Friday evening - after business hours - we received a call from the notary she would arrive Tuesday morning. Nobody from SynergyOne took the time to explain or advise the new timeline or assist us in the hectic, last-minute signing. We managed to get everything signed by Tuesday but with no help from SynergyOne. Even after escrow closed, we had a few small issues arise but nobody from this company was willing to help. Some of my emails even went completely unanswered. The irony is the company spent extra money to send us several small, useless, material gifts throughout the escrow process as a "Thank You" for our business, but all their customers really needed was their time, communication, honestly, and reliability. Very disappointing. We would not recommend their business or use them again ourselves. read more

We used them for a recent purchase and they promise things on paper but execute transactions for their best interest and not the clients. They drew loan docs early which had a negative impact on our closing and first payment due date. They did not discuss this with us before they did this and they were cavalier in their response when we inquired about it. This result was very stressful because of the amount of money and planing we had prepared for based on timelines and emails they sent us. read more

WARNING: PLEASE READ BEFORE WORKING WITH SYNERGY ONE!!! GREAT PLACE TO LOSE TENS OF THOUSANDS OF YOUR HARD WORKING MONEY. AFTER PAYING TAX ON THEM. Taj Lockett is great at giving you pre approval in a short time with high amount. Oh wow $750k pre approval. I have checked more than 50 houses and applied for 5 of them because of the pre approval (This means I could make money in these time or at least relax). After 6 months of searching I found the place that I like and remove my inspection and appraisal which you pay out of your pocket. Synergy One had all of my documents from day one and I provided anything they asked in same day. Taj pushed me to remove my contingency because she needed one more day and told me she is 100% sure that she will get the loan. I clearly told her the place that I'm getting is not a killer deal in the bay and I do not want to lose my deposit. After a month they didn't approve my loan and I lost the house and the deposit, Taj doesn't answer and her supervisor told me they don't know the details about what we said and shouted at me that I was the person to remove and sign the loan contingency. I am interviewing attorneys to sue them and they will get the one starts all their advertising platforms. It's better as a risk of owning business they pay me back the money I lost because of their mistakes. Otherwise in long run they will loose a lot more. read more

Best experience ever! I highly recommend barry Wilmer and his colleague Maureen Ramsay . Can't say enough good things about their professionalism and great advice. They are both very pleasant people which made a great experience even better. Most importantly they got my loan thru (a very complicated loan since I own quite a few entities) approved and funded in 15 days! I am already referring Todd R. read more

Working with Synergy One Lending was a nightmare for us. 6 months ago they pre approved my friend's loan. Taj Lockett made him to remove the loan contingency and he lost all of our deposits. And at the end they said he was the person who signed the paper. If you want to lose tens of thousands of your hard work after tax, here is your place. We would like to have the damages back and we are searching for attorneys to sue Taj and their team. read more

I'll keep this brief: Find another lender. The day after I sign the offer I get a phone call from Zachary, the gentleman I was working with. He called to inform me that they were denied their application to do loans in Pennsylvania. He never breathed a word about the application before. If my loan doesn't go through with the new lending agency I'm going to be out $2k+ and for me that's a very big deal. Not to mention the fact that he also didn't prepare me for all the documentation I needed so I had to scramble last minute for that. Absolutely heart sickening to find your dream house only to have the rug pulled out from underneath you at the last moment. read more

Received a bright pink scare-tactic "FINAL NOTICE" stating that our "home warranty, secured by SYNERGY ONE LNDG" may be expiring, also stating "you HAVE NOT CONTACTED us yet to get your Home Warranty up to date" and "call immediately." Have never done business with this company, never even heard of them before today. Not a respectable way to generate business, Synergy One Lending. read more

Scott Boaman is an all star and a miracle worker. He is perhaps the most responsive person I have ever worked transactions with. Accurate, reliable, efficient, friendly... and he makes your dreams happen even when other lenders can't or won't. We have done 6 transactions with him now in about 3 years and I will never even consider another lender. Thank you Scott, you've even become a great friend! read more

Working with Billy Feigen and Synergy One Lending has been an awful, most unprofessional experience. I started the process with Billy over 2.5 months ago. I provided all documents and information immediately. I hav excellent credit; substantial assets and no debts. I was told my application is complete over a month ago. I have not heard from Billy nor anyone at his firm. He has not responded to my texts, emails or phone calls. Nothing. Just radio silence. I now have to start all over again with a new lender. I would not do business with either Billy or Synergy One. Terrible service; no response. Just a black hole of nothing. Stay away from them if you want a mortgage and don't want to waste your time or money. Just an awful experience. read more

Kellie and her team based in Meridian Idaho were fantastic. I have purchased several homes in the past, but none of the mortgage lending teams I had used previously were as thorough, detailed and as responsive as this team. When I had questions, I received answers usually within a couple of hours. I highly recommend Kellie Allen and her team if you are buying in Boise or the surrounding area! DianneT read more

I cannot say enough how incredibly happy I am with my experience with Jason Hall and his team. They were nothing short of amazing during my first home buying experience. The team is incredibly responsive and friendly. They are extremely communicative and never left me wondering what they needed from me or what the next steps were in the this process. Jason worked tirelessly to ensure that I received the best loan possible. I have and will continue to recommend Jason and his team everyone! read more

Joel Hernandez helped me to refinance my home in January and was able to lock in a 3.75% interest rate just before the rates started to move up in early January 2018. The experience was excellent and would highly recommend Joel and his team especially Rosa for an excellent experience and fast professional service. Thanks for everything Greg K. read more

I successfully refinanced my house with The help of Mr. Andre Kwan. I am retired veteran (30 years of service) and I never seen anyone go above and beyond in helping someone who are in need. Thank you Andre! Oh by the way, I have another house that I would like to refinance if you don't mind. read more

One of the best experience that I had with purchasing a home . Sean was excellent. He worked with my busy schedule and ensure that I was updated frequently with the status of loan. I would highly recommend. Sean and his team was excellent!!! read more

Excellent company. Everyone was very professional and made the loan process very easy. Almost everything was done electronically which made the paperworks so manageable and convenient. Special thanks to Scott Boaman since he was there to help us from the beginning till the end. We're very satisfied with their service and recommends Synergy Lending to everyone. read more

I chose Carol Mortenson. Carol made sure I was informed and always looked out for my best interest. Carol made my home buying experience easy and successful. Even the title company was impressed with how well she communicated and made sure everything was ready for the day of signing. I would highly recommend to anyone. read more

Thank you to James and his team! I received a per-qualification in less than a day and funded on my dream home within a month!!

Bobby Askari is amazing. We just finished purchasing or second house with Bobby, and both times he worked his magic. He was easy to communicate with and bent over backwards to make sure we were satisfied. read more

I used James Carmondy as the lending specialist. He ripped me off as far as I'm concerned. His team promised me a grant through the state from day one. After running all numbers they said it would work at my current offer without any problems. I worked with them giving them all paperwork and everything needed for the loan (previous years tax paperwork, all montly debt I paid, bank account totals, income verification, anything and everything they asked for before I even put in an offer). After getting approval from them, I went out and found a home. I put in an offer way below what I'd worked out could be possible with these guys (in my mind gauranteeing that I would get the loan and grant). We went into escrow, with them even calling the agent to tell them I was definitely approved at my price point, so accept my offer. After starting escrow, things seemed good. Then, a week before my loan contingency should be removed, they stopped returning my calls and cut off contact. I tried contacting other companies at this point, but was too far into the deal to get someone else on for inspections and paper work since I'd dropped them based on the original promises of this company up until the last minute. They waited until I was 2 days past my contingency removal to tell me that I couldn't use the loan that I had previously been approved for through them and had been promised. They changed the rate and the loan. While the national rate dropped, mine went up. My initial costs somehow went up about $11,000. I had no choice but to go with this loan as it was too late to change lenders, and they knew it. They're a bunch of scammers. I've officially put in a complaint with the consumer finance protection bureau. DO NOT USE THIS COMPANY. Thanks to them, it's possible I'm going to actually have trouble paying the bills I signed up for. SCAM SCAM SCAM. Thought this was all eradicated after the crash in 2008, but unfortunately this company just changed how they rip you off so that they're still within the law. By my count, they still owe me $11,000+ and I'll be fighting with the CFPB until I get it back. Someone keeps removing my reviews of this company. I'll tell you guys what. Give me back the 15,000 you ripped off of me (that's not including the extra cash I'm paying on the loan until it is payed off), and I'll give up these yelp posts. I've never seen a company so hell bent on ripping off it's customers and pretending like they're doing them a favor, then when they get called out for being the scam artists they are, just go on like nothing happened. Your customers expected straight forward business dealings and thought you were honest people. When you turned out not to be, you all seem upset for getting called out for it. Just let it go. You are terrible humans whom the rest of us can't understand how you live with yourselves and sleep at night. read more

Awesome customer service I would recommend Kellie to anyone who is in this process we were out of state and it flowed flawlessly and ahead of schedule with ZERO hiccups! Well done Synergy. Thomas W Switzer read more

James Carmody is a true professional! As a top producing realtor I had my choice of lenders when financing my own personal home. I chose to work with James and his team because they are professional, experienced, trustworthy, personable and most importantly effective. I refer all my business his way and he never disappoints. Thank you for all your hard work and helping me with the purchase of my home! read more

Perhaps, I had a unique experience but an important one for all future, prospective clients to read. I received a call from Alan Gordon on Sunday afternoon expressing that an additional $15k was required for a Monday morning close, so 0 business hours to prepare/anticipate the change. Alan and team had more than enough time to finalize the loan but due to a lack of professionalism, experience, communication this was not the case. Alan and team continued to try and strong arm me throughout the process giving me less than sufficient time to review and sign off on pertinent documents despite them making changes on the fly to the reverse timeline they put in place. For weeks leading up, I set the expectation that I would be moving across country and wanted the numbers to be finalized prior to the move. This is a toxic organization to work with. They do not have the best interests for their clients, their number one priority/concern is closing deals. When it did come time to close, I had a personal emergency come up and politely asked the Synergy One team to move it back (1) business day which I didn't find to be too tall of a request since they had already fallen way off track with the milestone calendar. Alan chose to berate and patronize me via email showing zero sympathy or empathy in an effort to get the deal done. The ironic part is his wife was in an accident days prior and he wasn't available. I told Alan it was no big deal and to reach out once he knew his wife was ok. Afterwards, I felt this was important to bring to Alan's manager's attention, Ryan Pilgrim, in which I never received a response. read more

Alex Martinez and team are simply amazing. They anticipate potential hurdles and challenges and ensure a smooth and timely closing. They are the best in the business! Thank you! read more

Ron is the most proactive professional I've met. And his team is amazing too! The whole process of buying my new house it was possible just because I was in their hands. I have no words to explain how greatfull I am. Thanks Ron!!!! read more

I had a great experience with Synergy One Lending and Jame's team. The whole team was extremely responsive and helpful as I bought my first home. They walked me through the process and showed me my different options. I would definitely recommend them to anyone buying their first (or second or third) home! They even sent welcome flowers after I moved in!! read more

Bobby and Beth make a fantastic team. I have received two loans from them so far. In both times, they did a great job. I am really grateful to them for working so diligently and funding the loan. My second loan was not easy but they did it!! They are the best in the business. read more