Toni F. Ryan

DIRECT/TEXT 530-305-7668

Toni F. Ryan


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Enter Income 

  • Add regular income and other income like bonuses or overtime.
  • Turn your hourly wage into gross monthly income with out handy income calculator

Why you'll love it! 

Local doesn't mean higher rates 


Synergy One Lending is a San Diego based mortgage lender that puts the client first. Not only do we offer competitive rates, but we understand the needs, wants and concerns of the client which is why we dedicate ourselves to providing the best customer experience for each transaction. Our core values drive our business from the ground up and are reflected among every department, employee, manager and executive. Striving for excellence is not just a goal to us, it’s a state of mind.

  • Each month breaks down your income and spending into categories

  • Information carries over to future months so you don't waste time re-typing the basics

Add Expenses 

  • Project costs and spending habits - then adjust for what you really spent
  • See how your credit card debt changes over a 6 month period
  • Manage credit card interest rates and flag areas that need future attention

  • Track your progress in our 6 month master sheet 

Get Prepared

for your next loan with my Budget & Debt Tracker


  • Track due dates and interest rates all in one place
  • Easily manage your debt percentages for each account to prepare yourself for the best credit score

"No one plans to try to refinance at 7 months pregnant - especially when the doctor is threatening to put you on bed rest. Toni worked like lightning to get our refi done before I went on maternity leave. It's because of her that I had my baby without worrying about my mortgage payments adjusting."  •  Melissa F.