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861 Harold Place, Suite 304
Chula Vista, CA 91914

(619) 279-7424

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

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Work With Us


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

Jose A. Hernandez

Sales Manager - Producing

NMLS: 337383

Phone: (619) 279-7424


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Ever Villarreal

Loan Officer

NMLS: 1204790

Phone: (619) 914-2292


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Annette Hernandez

Senior Loan Officer

NMLS: 918395

Phone: (619) 765-4755


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Ileana Vega

Loan Officer

NMLS: 1473008

Phone: (619) 374-7502


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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.


Customer reviews since July 2017


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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

861 Harold Place, Suite 304
Chula Vista, CA 91914

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