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Hello, I'm
Carol Cobia

Loan Officer

NMLS:  104797

Phone:  (801) 694-8157
Email:  ccobia@s1l.com

1615 Kahekili Hwy Floor One Unit 1
Wailuku, HI 96793

Business Hours: Mon-Fri, 9am-5pm
Service Areas: 49 states excluding NY
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  On the House  
Home with Green grass and a Blue sky

Homeownership
Doesn’t Have to be a Dream

It Can Be a Reality

I can help you get there. Call me at (209) 968-4716 or fill out my contact form at the bottom of the page.

Home with Green grass and a Blue sky

Homeownership
Doesn’t Have to be a Dream

It Can Be a Reality

I can help you get there. Call me at (209) 872-5418 or fill out my contact form at the bottom of the page.

How Can I Help?

As a dedicated mortgage professional I'm committed to providing the quickest and best possible service. I'll work with you to find the perfect mortgage to suit your needs."

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

  

S1 Connect on 3 i-phones

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

The Simplest Way To Get Your Home Equity Line

A home equity line of credit from Synergy One Lending offers the flexibility you need. You can get your pre-approval in 5 minutes and funding in as few as 5 days§.

§ 5 Day Funding Not Eligible in Texas

Find my rate
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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.

94.48%

Net Promoter Score

4.89/5

Average customer review rating

96.65%

Average customer satisfaction rate

30,406

Customer reviews since July 2017

Who We Are

Our focus is providing the best experience to the next generation of home buyers while providing unparalleled support for our employees. We’ve created the Modern Mortgage Experience™, allowing buyers to seamlessly purchase or refinance their homes from their smartphone.

Contact Me


    Carol Cobia

    Loan Officer | NMLS: 104797

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