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Solana Beach

2235 Encinitas Blvd. Suite 212
Encinitas, California 92024

(760) 522-2298

Synergy One Lending has brought The Modern Mortgage Experience™ to Encinitas. If you’re looking to buy a home in Encinitas 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

JJ Jerotz

SVP, Production

NMLS: 247008

Phone: (760) 522-2298


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Sara Lindsey Headshot

Sarah Lindsey

Certified Mortgage Planning Specialist

NMLS: 236080

Phone: (619) 647-9361


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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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Customer reviews since July 2017

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

2235 Encinitas Blvd. Suite 212
Encinitas, California 92024

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