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Dolores Street 2 SW 7th, Unit D
Carmel, California 93921

(831) 277-4229

Synergy One Lending has brought The Modern Mortgage Experience™ to Carmel. If you’re looking to buy a home in Carmel or refinance your home, then you have come to the right place.

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Fly through the mortgage process with the utilization of today’s cutting edge technology 



Navigate through the loan process with ease using our next-level app, S1 Connect 



Explore your financial options with one of the best in the mortgage industry


Meet Our Team

Chad Hawker Headshot

Chad Hawker

Area Manager

NMLS: 281011

Phone: (831) 521-9378


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Courtney Garneri

Area Manager

NMLS: 884012

Phone: (831) 277-4229


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Alexi Connell

Transaction Coordinator

Phone: (831) 236-0296


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Bryanna Costa

Production Manager

NMLS: 1513094

Phone: (831) 840-0839


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Start Your Application and Pre-Approval Today

  • Calculate payments easily

  • Securely scan and upload documents

  • See your progress and get updates as you go

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See What Our Customers Are Saying


Five-Star Customer Experience

Synergy One Lending has the right combination of people and technology.
We provide a consistent client experience that’s centered around your mortgage needs.


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What's Your Home Worth?

Find out your equity position and how much your home is worth by using an automated home value portal customized specifically for you.

  • Quick & Easy
  • Actionable Data
  • Personalized Calculations
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Contact Our Branch

Dolores Street 2 SW 7th, Unit D
Carmel, California 93921

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