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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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
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
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 rateFive-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
Mortgage Calculators
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