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Hello, I'm
Cindy Williams

Loan Officer

NMLS: 289339

Phone: (209) 353-4777

3425 Coffee Rd., Suite 2-C
Modesto, California 95355

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  On the House  
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CALHFA Dream for All

Don't wait to get started on your chance to participate in the upcoming lottery drawing!

Dream For All: Down payment assistance is launching with a new voucher lottery drawing. To qualify for funds, applicants need to upload their pre-approval letter from a CalHFA-approved lender, such as myself. Vouchers for the Dream for All program will be awarded by random selection to those who qualify.

Lottery limitations and requirements:

  • Income limits apply

  • One applicant must be a current California Resident

  • 2-1, 1-1, and 1-0 temporary buydowns are permitted

  • Minimum credit score of 680 and 45% DTI or minimum credit score of 700 for 50% DTI

  • Maximum Shared Appreciation Loan amount is $150,000 or $20% of the sales price or appraised value, whichever is less

  • At least one applicant must be a First-Generation Homebuyer

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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


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


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

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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

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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.


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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.

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    Cindy Williams

    Loan Officer | NMLS: 289339