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
Johnathan Pena
Jr. Loan Officer
NMLS: 2732810
Phone: 786-357-5147
Email: jpena@s1l.com
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Patty Nicholson
Branch Manager
NMLS: 461929
Phone: 813-417-4020
Email: pnicholson@s1l.com
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Cindy Caballero
Loan Officer Assistant
NMLS: 327941
Phone: (321) 414-5157
Email: ccaballero@s1l.com
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Stephanie Imburgia
Loan Officer Assistant
NMLS: 1232826
Phone: (727) 605-2741
Email: simburgia@s1l.com
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Paula Ruettinger
Loan Officer Assistant
NMLS: 1999478
Phone:
Email: pruettinger@s1l.com
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Gina Sheffield
Loan Officer
NMLS: 457715
Phone: 813-629-9014
Email: gsheffield@s1l.com
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Claudette Kelsey
Loan Officer
NMLS: 1425326
Phone: 727-743-6193
Email: ckelsey@s1l.com
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Start Your Application and Pre-Approval Today
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Calculate payments easily
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Securely scan and upload documents
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See your progress and get updates as you go
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
15310 Amberly Drive Suite 250 Tampa, FL 33647