WE SIMPLIFYINGTOCOMMITTEDARE T h e Hom e B u y i n g E x pe ri e n c e S yner g y O n e L e nd i ng ’s R.E.A.L .T.O .R. P r o g r a m WE SIMPLIFYINGTOCOMMITTEDARE
SYNERGY ONE LENDING? WHO IS Synergy One Lending i s comm i t te d to simplify i ng th e h ome bu y in g exp e ri e n ce . • Offering best-in-class digital mortgage technology to streamline the process • Dedicated to closing loans on time, every time with no exceptions and no excuses • Offering a broad set of mortgage products and options • Optimizing relationship and improving Realtor’s connectivity with borrower and lender We are not your average lender. We’re a company where our mission statement is based on putting the client first, 24 hours a day, 7 days a week. FHA, VA and USDA Loan Programs Down Payment Assistance Available Broad Jumbo Product Of fering Lock and Shop Program Available Bas ic Product O f fe ring s CON F O R MING F I XE D CON F ORM I NG A R M s RENOVATION LOANS CONVENTIONAL and FHA FH A Down to 580 Credit Score VA Down to 620 Credit Score JUMBOUSDA FIXED, ARM and INTEREST ONLY S1L NON-QM PIGGYBACK 2ND OPTIONS DIGITAL HELOC
• Provides daily expert guidance/analysis • Visualizes current market conditions
S 1- CONN EC T AP P
HOMEB OT
• Automates the customer journey • Allows partner account to generate co-marketing materials
TOTA L EXP E RT
• Enhances borrower loan advice with video capabilities • Generates personalized side-by-side loan comparisons
MO RTG AGE MA R K E T GU I D E
MO RTG AG E COAC H
Sends personalized home finance insights & financial tips
H O N E S T Y T R A NS PA R E N C Y E XC E LL E N C E I N N O VAT I O N E M P O W E R ME N T To humanize and modernize the home lending experience O U R M I S S I O N 01 Delighted Customers 02 Inspired Employees 03 A Pristine Reputation To be the nation’s # 1 lender by creating O U R V IS I O N O U R C OR E V A L U E S VISI O N AN D VALUE S T H E MOD ER N M OR TGA G E EX P E RI E NC E T M
• Gives borrowers the ability to apply from anywhere • Allows clients to safely upload and eSign loan documents
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Provides clients the tools needed to understand their home equity
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It ’s yo u r na m e, yo u r in fo r matio n d i re ct a cce ss to i n for m a ti o n. We t he tool s you ne ed to st ay i n sy nc loan, every step of the way! S ihusodishimparecosinavna And that f S1rac omise, we deliver. S1 Connect Have your clients pre-qualified anytime, anywhere! Allow me to co-brand S1 Co nn ec t mobil e a pp with your inf NEED TO S TAY CONNECTED TO YOUR WHILECLIENTS ON THE GO ? A s ou r co mp a ny mat u res an d g rows, o u r tea m expa n d s a nd imp roves, o u r ser v i ces ke ep ge tt ing b e t te r a n d o u r p ro ce sses evol ve , we co n t inu e fo c u s ing on th e impo r t a n c e of c o mmu n i c ation w ithin our mod e r n m o r tga ge i n d u st r y. ss pursuit for the lient experience!
HIGHLY COMMUNICATIVE
ny prides itself on ommunicating and working rough every step ess, because we e the client should be 4 hours a day, 7 eek. Our robust array er best-in-class echnology to help streamline s and we pride on taking everyone application to close.
Speed, Ease, and ExpertiseTM
At Synergy One, we develop real connections, make technology feel more human, and equip our team with essential tools to create amazing customer experiences.
WE ARE
We’re constantly improving our processes, investing in newer, better technology, and working tirelessly to provide the borrower with personalized, financial insights that best benefit them.
Synergy One is not focused on being the biggest lender, but we do want to be the best lender in partner and client satisfaction. We’re not here to just provide financing for a house we’re here to help dreams come true and to help borrowers understand the equity that can be achieved through homeownership.
De lighting the Bo rrowe r
HERE AT SYNERGY ONE LENDING, WE HAVE A TON OF TOOLS AND KNOWLEDGE WE WANT TO SHARE WITH YOU AND YOUR CLIENTS, AND WE’RE JUST GETTING STARTED!
We are dedicated to closing loans on time, every time with no exceptions and no excuses. We take great responsibility over the protection of private financial information, throughout every stage of the loan process.
A CC O U N TAB L E
• LOAN AMOUNT UP TO $4M • MAX 85% LTV PURCHASE AND 80% LTV REFINANCE • SELF-EMPLOYED & 1099 BORROWERS • STARTS WITH 675 CREDIT SCORE • NO NEED FOR RESERVES AT 75% LTV OR LESS • NO TAX DOCUMENTS NEEDED • QUALIFY WITH 50% EXPENSE FACTOR FOR PERSONAL AND BUSINESS ACCOUNTS • 12 CONSECUTIVE MONTHS (SAME ACCOUNT) • QUALIFY WITH ENOUGH LIQUID ASSETS TO COVER THE LOAN BALANCE • 2 MONTHS OF STATEMENTS FOR QUALIFYING ACCOUNT • MAX 75% LTV PURCHASE AND 70% REFINANCE • NO EMPLOYMENT/INCOME NEEDED STARTS WITH 675 CREDIT SCORE • PRIMARY PROPERTIES ONLY • LOAN AMOUNT UP TO $4 MILLION 12-Month Bank Statement ATR-IN-FULL
• QUALIFY FULL DOC, 12-MONTH BANK STATEMENT FOR SE, OR DSCR ON NOO • VALID U.S. GOVERNMENT ISSUED ID • MAX 75% LTV PURCHASE AND REFINANCE • STARTS WITH 675 CREDIT SCORE • LOAN AMOUNT UP TO $1MILLION • NO RESERVES NEEDED • 2-YEAR EMPLOYMENT HISTORY REQUIRED ITIN INDIVIDUAL IDENTIFICATIONTAXPAYERNUMBER Investor Cash Flow • LOAN AMOUNT UP TO $2 MILLION • MAX 80% LTV PURCHASE AND 75% LTV REFINANCE • RECONCILED RENT ESTIMATE ON 1007 OR LEASE AGREEMENTS (*lower of the two if both are available) • INVESTMENT PROPERTIES ONLY • STARTS WITH 675 CREDIT SCORE • NO JOB OR INCOME NEEDED • AVAILABLE ON SFR, 2-4 UNITS, CONDOS, TOWNHOMES, AND NON-WARRANTABLE CONDOS • DSCR CALCULATION CANNOT BE LOWER THAN .70% • NO NEED FOR RESERVES DEBT SERVICE COVERAGE RATIO (DSCR)
• 70% MAX LTV PURCHASE & 65% ON REFINANCE • LETTER OF GOOD STANDING FROM CURRENT FINANCIAL INSTITUTION • INVESTMENT PROPERTIES ONLY • LOAN AMOUNT UP TO $2 MILLION • NO JOB OR INCOME NEEDED • NO NEED FOR RESERVES • CONDOTEL/PUDTELS ALLOWED • INVESTMENT PROPERTIES ONLY • DSCR CALCULATION CANNOT BE LOWER THAN .70% » FREE Credit monitoring and alerts » Set financial goals and create budgets » Track your progress » View you bank accounts, credit cards, loans » View retirement, and investment accounts » Keep track of your spending » Determine your mortgage readiness » Monitor the value and equity in your home » Access financial tips and best practices 7DTGEWNA Enter this code at registration for exclusive access! FOREIGN NATIONAL
AERLTOR Syne rg y One Lending ’s R eal E state A gent L oan T ransaction O ptimization; and R eferral P rog ra m Synergy One Lending, INC., NMLS 1907235. 3131 Camino Del Rio N 150, San Diego, CA 92108 Toll-Free #: 888-995-1256. Synergy One Lending, INC. is licensed in the following states: CA- Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and California Financing Law license, and OR. All loans are subject to Credit and Property Approval. Equal Housing Lender. www.nmlsconsumeraccess.org Melissa Redding Sales Manager NMLS #212848 P: (310) 977-1521 E: mredding@S1L.com 301 NE 7th Street | Grants Pass | OR | 97526 Contact me today for more information!
