san diego home loans

Apply Now!

We are in the business of improving lives, one home purchase at a time.

San Diego Home Loans

Synergy One Lending UTC is ranked among the best lenders for home loans in San Diego by the UT Readers Poll! We’re located in La Jolla, but are licensed in most states and offer exceptional rates and service on VA loans, FHA loans and conventional loans. We can also help with home refinancing. We’re here to answer any questions you have and to help walk you through the home loan process. For a San Diego home loan lender call 858-242-5647 or fill out an online contact form. We make mortgages fast and simple!

We’re dedicated to being a For Purpose Business! Visit our Giving Programs page to find out more…

San Diego Mortgage Lenders

We’re not your typical mortgage company! We operate as a for purpose business, which means every home loan generates a donation to a cause on your behalf. If you’re looking for a San Diego mortgage company with low rates, great service and a giving heart, you’ll find Synergy One Lending UTC as your top choice! 


Meet The Team:

Sindie Alvarado – Branch Manager
Kaitlin Sten – Loan Officer

What investment do you currently have that you can live in beside your own home?

Find Your Perfect Home Loan Now

Apply For Home Loan


We are in the business of improving lives, one home purchase at a time!

san diego military support program buy a home save a vet

Through this program and with your home purchase, we make a donation on your behalf to a Military Non-Profit of your choice. We support these specific non-profits, which treat Veterans suffering from PTSD, traumatic brain injury and suicidal depression. Visit to learn more.

Join The Movement!
san diego youth program buy a home save a child

Your home purchase will help prevent youth suicide and raise awareness. Provides shelter, food and basic needs as well as empower and engage our youth in ways that will save and change their lives. Visit to learn more.

Join The Movement!

For more info about our giving programs contact Sindie Alvarado at 858-242-5647. Thank you for your support!

Synergy One Lending San Diego Logo - transparent version

We Are Committed To Our Customers Needs!

We know that each customer has specific home loan needs and we strive to meet your specific home needs with a wide array of mortgage services that give you individual attention to get what matters most to you.

San Diego is wonderful place to own a home and we want to help you make that a reality! Whether you are first time homebuyer, experienced homebuyer or looking to refinance your existing loan, We have the PERFECT LOAN PROGRAM for YOU!

Team Alvarado is lead by Sindie Alvarado, branch manager of Synergy One Lending, UTC. Sindie has been in the business for over 20 years and understands the home buying process on all sides, making her an invaluable mortgage loan originator, partner and coach. Sindie and her team of loan originators take pride in their hands on approach, which allow them to be there for their borrower throughout the entire process. “We are not only in the business of home loans, we are in the business of changing and improving lives.”
What sets us apart from other San Diego mortgage companies is we do business with a purpose. No other branch has Buy a Home Save a Vet! Our business model is very specific to giving back to the local San Diego community and Veterans. As a small local home lending company we are able to work directly with you and your realtor to make the transaction move smoother and more successfully. Big banks have a lot of rules and red tape which cause major communication delays and blocks. Support local San Diego small businesses by choosing Synergy One Lending UTC!

Synergy One Lending was built around a few simple Building Blocks: Transparency and education, hiring the best talent & alignment of interests


Transparency and education are the cornerstones of our organization. We conduct ourselves in a manner that places our clients’ interests above our own while providing a process that is precise and consistent. We only hire people who embody our core values, and we equip them with the best products and systems to execute at the highest level.


Hiring the best talent means we strive to set the bar in everything we do. Our hiring process uniquely includes reputational and background checks and a stringent interview process .High expectations create a continual cultivation of excellence in our team members, which means an incredible experience for you. Our Core Values shape our culture, and their execution are mastered daily by our TEAM.



Alignment of interests is a critical but often overlooked component of successfully managing a growing enterprise. Our goal is to consistently serve the needs of our constituents, including our borrowers this through a strategic ownership program, servant leadership, and constant collaboration with our customers. We turn your feedback into immediate change for the better.


  • INTEGRITY adherence to moral and ethical principles; soundness of moral character; honestly.
  • LOYALTY the state or quality of being loyal; faithfulness to commitments or obligations DILIGENCE/WORK ETHIC constant and earnest effort to accomplish what is undertaken.
  • COMPASSION a feeling of deep sympathy, accompanied by a strong desire to alleviate suffering.

Our Core Values serve as our team’s moral compass, personally and professionally, setting us apart from our peers.

Ask about us around town. Work with us. Do life with us.

Contact Us Now With Any Questions You Have:

Your Name (required)

Your Email (required)


Your Message

Reasons Why To Own A Home Instead Of Renting

 Interest rates would need to rise to around 6.5% for the cost of buying to equal that of renting on a national level.

 The biggest tax break after buying a home is often the mortgage interest deduction, which saves the average home owner around $3,000 a year.

Percentage Of Income Needed To Afford A Medium Home Mortgage


Percentage Of Income Needed To Afford A Medium Rent For A Home


Media Appearances From Synergy One Lending UTC 

We’ve been proudly featured on local San Diego news media such as the Craig Sewing Show and Operation American Dream!

Latest From The Blog!

Find helpful articles on home improvement and decor ideas, credit building tips and more!

VETogether Event In November Sponsored By Buy A Home – Save A Vet

Come out for the next VETogether event on November 16th at SpecHops Brewing Company! VETogether is a monthly networking event by Veterans for Veterans. For November our giving program Buy a Home Save [...]

Advantages Of Owning A Home vs Renting

For many people, owning a home is the fulfillment of the American dream. Purchasing a home is one of the biggest financial decisions you will make in your life and there are [...]

San Diego Home Loan Benefiting Military

Arthur Ashe once said, “From what we get, we can make a living; what we give,however, makes a life.” Even though it’s obvious that being generous and charitable makes you feel good [...]

See What Are Amazing Customers Have To Say!

We love our customers and nothing is more satisfying than helping them get the home they want when they need it most. Below are just some testimonials from happy customers of ours, contact us today to be our next satisfied home owner!

In my twenty-eight years of active duty Naval service, my family has had to relocate seven times,through a succession of apartments, military housing and rental homes. Finally moving into a home that we could call our own was the fulfillment of our American Dream.
The Aquino Family
In 2015 Sindie Alvarado and team approached Wave Academy to include our non-profit in
Buy a Home-Save a Vet through Synergy One Lending. The funding efforts of her team
make it possible, in part to provide no-cost treatment to our veterans in need.
Dave Towe, Executive Director of Wave Academy
We want to thank you for all the hard work you all did in securing us our loan for our first house! Sindie, thanks for always being available when there were any issues or questions, now we know all the craziness that goes into the escrow process! We absolutely love our house; it really feels like home. We appreciate everything you did and will recommend you to our friends!
Tucker & Amanda Warford
My husband and I were first time homebuyers in 2015 and we knew nothing about purchasing a home. A realtor contacted us though a website listing request and he recommended a major lending corporation to help us. Something didn’t feel right with the transactions and paperwork we were seeing, we caught too many mistakes and found misinformation in the loan applications and documents so we asked around and Sindie was recommended to us. Sindie took the time to review our loan paperwork and informed us of a $20,000 discrepancy in the amount they were charging us and all the points that were being added into the loan, not to mention a way higher rate than what was available to us. We disengaged with that major corporation as a lender immediately and brought Sindie on. She spent a lot of time revising our loan documents to correct them and got us a great low rate. Sindie was honest and watched out for our wellbeing and she put our best interest before hers. She is even still helping us with making sure our property tax bills are in order and refinancing options over a year after our purchase! I have, and would recommend Sindie to anyone looking for a home; she is the best lender in San Diego! Thank you so much for all your hard work Sindie! – Carrie Driskill, first time homebuyer.
Carrie Driskill & Yuji Kawanaka
You can do no better than Synergy One Lending! Search around all you want but SOL (only missing an ” E ” in the spelling to match the spirit of the organization) has a unique dynamic that no others can match. There are other fine lending companies out there with truly good folks on their staffs but Kait, Sindie and the rest of the staff at SOL exceed all others in dedication, integrity, customer devotion & genuine caring for all aspects of their customer’s mortgage needs. If there was a six star rating I would happily pin it on SOL, they are just that great!
Lauchlin Kelly
Contact Now!
Let Your Dreams Become Real With Us! Find Your Perfect Home Loan!

We have you covered for all your San Diego home loan needs and beyond, start your path to home ownership with Synergy One Lending UTC mortgage lenders. Contact us at 858-242-5647 or use our online contact form. We can help you with a home loan in other cities and states than just San Diego, give us a call to see if we can help out.

Contact Now!