REALTOR HANDBOOK Ultima KAREN CIMERA Sales Manager | NMLS #181709 P: (408) 506-0542 E: kcimera@S1L.com W: S1L.com/Karen-Cimera
in the Modern Home Loan World Making Our Mark
Synergy One Lending is a national mortgage company based in San Diego, California that offers loans for a home refinance, purchase, and equity needs through cutting-edge technology.
Synergy One Lending has quadrupled its loan production in three years, breaking into the top 100 retail mortgage lenders in 2022 ranked #52 in Scotsman’s Guide.
HONESTY TRANSPARENCY EXCELLENCE INNOVATION EMPOWERMENT
OUR
01 Delighted Customers 02 Inspired Employees 03 A Pristine Reputation
#1 lender by creating OUR VISION OUR CORE VALUES
To humanize and modernize the home lending experience
MISSION
To be the nation’s
Reliability and Certainty: as your local
it's our goal to provide both throughout the entire
process. At Synergy One, we take our business seriously. When we conduct a pre-qualification, we don't simply run credit and issue a letter. We diligently consider each buyer, performing a full document review to ensure the buyer fits the program they are requesting. The processing, underwriting and closing of a loan all operates in-house. Above all, my team commits to providing full support to you and our borrowers. Stable and low-risk: that's our promise to you.
OUR PROCEDURE - Day One Certainty – To ensure faster and smoother closing times - A Loan Officer's hands-on review of all needed documents - A full analysis of the Credit Report - Automatic Verification of Employment and Income - Digital Verification of Assets - Automated Underwriting (AUS) Approval/Eligibility
Makes 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,
Connect. EXPERTISE Explore your financial options with one of the best in the mortgage industry.
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EXPERT • Automates the customer journey • Allows partner account to generate co-marketing materials MORTGAGE COACH • Enhances borrower loan advice with video capabilities • Generates personalized side-by-side loan comparisons MORTGAGE MARKET GUIDE • Provides daily expert guidance/analysis • Visualizes current market conditions S1-CONNECT APP • Gives borrowers the ability to apply from anywhere • Allows clients to safely upload and eSign loan documents THE M OD ERN MO R TGA GE EXPE RI EN CE TM O er
TOTAL
How this benefits your buyers: It’s your name, your information, your logo – your direct access to information. We’re simply providing the tools you need to stay in sync with your client’s loan, every step of the way! S imp
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ed in a matter of minutes! And that’s just a small fraction of what S1 Connect can do! S1 ect Get your clients pre-qualified anytime, anywhere! Allow me to co-brand my S1 Connect mobil e app with your information. NEED TO S TAY CONNECTED TO YOUR CLIENTS WHILE ON THE GO ? Safely upload and eSign loan documents Easily stay in touch with your loan officer View your application from your PC or phone You have the ability to apply from anywhere Track your loan with real-time notifications Compare various loans to find your best option
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p’s sh are f eatu re to s en d a di rec t d ow nl oad li n k. As so on as yo ur c lie nt sta rts using th e app,
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PROGRAMS Requ ir es ZERO do wn p a ymen t Has ZERO Mortgage Insurance VA 1 2 Depending on market, offers lower rates than conventional loans. 3 • Gift funds permitted • No down payment required • Up to 6% seller paid closing costs • USDA Rural Housing loans are available to qualified low-to-moderate income homebuyers purchasing a home in a designatied rural area USD A • Bank Statement Programs • Investment Properties - Debt Service Program • Asset Depletion • Non-Warrantable Condo • Combination of Full Doc and Reduced Doc Available • DTI up to 50% NO N QM Non-Warrantable • Credit Scores as low as 680 • Non-QM Loans • Primary and second home only Agency • Credit scores as low as 620 • Conventional loan Agency 97 • Credit scores as low as 620 • Conventional loan CO N DOS : Consider one o f these loan option s for you r cond o pu r chas e ONE TIME CLOSE CONSTRUCTION Building Your Dream House is Easier with a One time Construction Loan • Con fo rm in g Hi gh Bal ance a n d Ju mb o Loan Am oun ts • Prim a ry Re si de nce - Own e r O ccu pi ed O nly • Sing le C l os ing Con structio n HELOC Rec ei ve fu nd s f ro m y ou r eq ui t y o f y ou r ho me in as fe w as 5 day s* fo r t hin gs li k e ho me imp r ov em en ts, d e bt c on s olida t ion , o r ma jo r p ur ch as e • 90% up to $1,500,000 with no Mortgage Insurance • Loan sizes up to $3,000,000 • Cash out up to $500,000 on primary residences, second home and investment properties • Fully amortized terms JUMBO AND SUPER JUMBO MINIMUM FIC O CREDIT SCOR E MINIMU M DOWN P AYME NT 3% 3.5% CONVENTIONAL FHA 620+ *Only one score with DU Approval *No score with DU Approval and Co-borrower with a score 580+ with AUS Accept 600+ with AUS Accept or Manual UW CONFORMING FIXED AND ADJUSTABLE RATE We offer both fixed and adjustable interest rate loan products to fit your client’s needs! We O er *The Extended Rate Lock Program allows borrowers to lock an interest rate for up to 360 days by paying an up front fee along with an interest rate adjustment. The upfront fee is non-refundable, unless the loan is declined by underwriting. A Float down option is available within 30 days of funding. *Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. *Properties must have been owned for 90 days. *Available in select states. ®
States We Are Synergy One Lending, Inc. Licensing Legend States We Are Licensed States We Aren’t Licensed Moving out of state?
PROBLEM!
One Lending, Inc is licensed in 49 states and Washington D.C!
NO
Synergy
Te imoni s CLIENT
Karen was amazing. A very good communicator, kept us on top of what needed to be done, and handled hiccups with professionalism and common sense. Would definitely use her again and recommend her to friends.
REVIEWED BY EVANTHIA S. FOR KAREN CIMERA | NMLS# 181709
Karen is an amazing help and it’s very professional and when she does. We truly are grateful to have the opportunity to work with her and we look forward to doing more business with her in the future. Thank you Karen!
REVIEWED BY WILLIAM O. FOR KAREN CIMERA | NMLS # 181709
The whole process was smooth. Sometimes these things can be stressful, but not with Karen in your corner. Her extreme knowledge, attention to detail, and pleasant attitude can not be matched. Karen is a great person and we are very thankful for her services. I would recommend to anyone, anytime.
REVIEWED BY LEISA G. FOR KAREN CIMERA | NMLS # 181709
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Part r w h us! Have your client scan the QR code to get pre-approved today 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! The Modern Lenders KAREN CIMERA Sales Manager | NMLS #181709 P: (408) 506-0542 E: kcimera@S1L.com W: S1L.com/Karen-Cimera Synergy One Lending, Inc., NMLS 1907235 | www.nmlsconsumeraccess.org | 3131 Camino Del Rio N 150, San Diego, CA 92108 | (888) 995-1256 | State required licensing information: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and California Financing Law license. Not affiliated with any government agency. All Loans are subject to underwriting approval. Terms and Conditions apply. Subject to change without notice. S1L012309