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Chico BHL

610 W. Ash Street Suite 1505
San Diego, CA 92101

530-518-2667

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

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Work With Us

Speed


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

  

Ease


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

  

Expertise


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

  

Meet Our Team

Richard Graeff

Sales Manager

NMLS: 508444

Phone: 530-570-8560

Email: rgraeff@s1l.com

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Don Krause

Loan Officer

NMLS: 230186

Phone: 530-521-1297

Email: dkrause@s1l.com

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Dina Leal

Loan Officer

NMLS: 2093513

Phone: 530-828-7864

Email: dleal@s1l.com

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Gregory Marskey

Loan Officer

NMLS: 1236384

Phone: 530-966-1064

Email: gmarskey@s1l.com

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Ava Elsner

Loan Officer Assistant

NMLS: 2289243

Phone: (424) 319-6978

Email: aelsner@s1l.com

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Catherine Aguilar

Loan Officer Assistant

NMLS: 1613524

Phone: (209) 332-8913

Email: caguilar@s1l.com

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Caysee Steindel

Loan Officer Assistant

NMLS: 1923394

Phone: (530) 291-2094

Email: csteindel@s1l.com

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Dawn Monks Hoffmeister

Team Loan Officer

NMLS: 1066352

Phone: 214-563-3138

Email: dhoffmeister@s1l.com

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Wendy Peters

Loan Officer

NMLS: 808667

Phone: 530-514-2094

Email: wpeters@s1l.com

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Timothy Cooper

Branch Manager

NMLS: 508397

Phone: 530-518-2667

Email: tcooper@s1l.com

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Kim Flowers-Browne

Loan Officer

NMLS: 508421

Phone: 530-519-8270

Email: kflowers-browne@s1l.com

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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

Apply Now

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.

96%
Net Promoter Score
4.91/5
Average customer review rating
97%
Average customer satisfaction rate
52,000
5 Star Customer reviews since Feb 2026

Contact Our Branch

610 W. Ash Street Suite 1505
San Diego, CA 92101



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