Mission Valley – Synergy One Lending Skip to main content

Mission Valley

3131 Camino Del Rio N., Ste. 150
San Diego, California 92108


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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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

james carmody headshot

James S. Carmody

Branch Manager

NMLS: 308051

Phone: (858) 357-8445

Email: jcarmody@s1l.com

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Dreama Brown Headshot

Dreama Brown

Loan Officer

NMLS: 512330

Phone: (619) 670-1010

Email: dbrown@s1l.com

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Alba Thurman

Loan Officer

NMLS: 1237883

Phone: (619) 377-1039

Email: athurman@s1l.com

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Joel Berman

Senior Loan Officer

NMLS: 653795

Phone: (619) 279-2935

Email: jberman@s1l.com

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Zoe Headshot

Zoe Khetani

Production Manager

NMLS: 841486

Phone: (619) 377-1059

Email: zoek@s1l.com

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Dan Kitchen Headshot

Dan Kitchen

Loan Officer

NMLS: 835498

Phone: (619) 626-1976

Email: dkitchen@s1l.com

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Juan Cepeda

Director of Strategic Markets

NMLS: 211202

Phone: (818) 749-6858

Email: jcepeda@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

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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


Would recommend Synergy One Lending to friends and family


Average customer review rating


Average customer satisfaction rate

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

3131 Camino Del Rio N., Ste. 150
San Diego, California 92108

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