Toni F. Ryan

DIRECT/TEXT 530-305-7668

Toni F. Ryan


8 Things You Should NOT Do When Applying for a Home Loan

Complete the form to have it emailed to you!

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.

Free Report

Why you'll love it! 

If you're thinking of buying a home or refinancing in the next 2 years - make sure you get this report to avoid these common mistakes.

This quick report shows you 8 areas of vulnerability that can cost you extra $$$ if you don't know these trade secrets including:

  • ​Don't ruin your chances of getting the best rate by purchasing this every-day necessity.
  • Avoid this simple transaction at the bank or risk a lower credit score.
  • How getting a better job could hurt you...& more!

Your To-Do Listing Includes:

  1. Make your mortgage or rent payments on time.A late mortgage payment is damaging in the lenders eyes. Make sure you keep proof of your payments either by check copies, online receipts or statements.
  2. Make sure your credit is well-rounded.One credit card doesn't give the lender much confidence in your ability to manage a loan. A couple of credit cards and possibly an installment account (like a car loan) creates a more complete picture.
  3. Keep your balances at less than 50%. The credit bureaus are more favorable when a credit balance is less than half of the available credit. This means you should owe less than $500 on a card with a $1,000 limit. It also means that if you have 2 cards with $1,000 limits - it's better to have $400 on each than an $800 balance on one card.
  4. Apply for a credit card if you don't have any. If you're the kind who likes to pay cash for everything - that's great - but it means you have a 'ghost' credit score and the lender may not qualify you. Open one or two cards, use them and pay them off each month if you want but at least you'll begin building your credit history.
  5. Keep important documents handy.Paperwork such as tax returns, W-2's, Financial Statements, Divorce Decrees, Bankruptcy & Short Sale documentation are all going to be requested from a lender. Do yourself a favor and create a file now so you'll know where to find these crucial documents.
  6. Talk with a loan officer 6 months to 2 years BEFORE you plan to buy or refinance. This might sound like putting the cart before the horse but planning is essential to an easy and optimal transaction. A qualified mortgage officer can advise you on ways to get your credit profile in shape. This is especially true if you have rental properties.

Now I'll be the first one to tell you that NOTHING is certain in the ever-changing lending world. New programs appear and old ones disappear, guidelines become stringent or relaxed and home values fluxuate. The best advice will come from a professional loan officer who knows your situation. 

This information is intended for informational purposes and contains no promises or guarantees. Please always seek a professional loan officer regarding advice specific to your situation PRIOR to making any changes to your financial or mortgage profile. We respect your privacy and will never sell, share or compromise your information. You can opt out of any emails at any time. 

And by the are 6 "To-do's" to get your credit & financial status ready! ​

Thank you for checking out my quick, but highly powerful report!

Over the past 20 years that I've been in the mortgage business, I've counseled over a thousand people just like you on ways to improve their financial standing to achieve the mortgage loan they desire. This includes the things you can DO to improve your credit score and profile to get the best rate, term and closing costs from a lender.