"I can offer the best rates available but it's my education and strategy that make the difference for my clients."

Whether you're shopping for a refinance for the 3rd time or a brand new first-time home buyer...I want you to know your options. I work with every client to develop a strategy based on your goals...not mine. I believe in educating you so you have the tools to feel confident in your decision.

  • Trust: I maintain strict security practices to protect your private & financial information.

  • Strategy: I care about the big picture which includes short & long term goals. I work with you to develop a strategy unique to you.

  • Options: Big name banks might only be able to offer one or two programs - Synergy One Lending's connection and flexibility can offer you a variety of mortgage loan options.



Toni has been in the lending industry for over 20 years


• She was a top sales representative for several pharmaceutical companies for 10 years.


• Toni is a Certified Identity Theft Risk Management Specialist (CITRMS)


• Her additional training includes internet marketing, social media marketing and search engine positioning.


• Toni is the treasurer and View Magazine chairperson for the Meadow Vista Merchants Association - 10 years

• She volunteers at the local high school teaching a credit & finance seminar to the senior economics classes


• Toni is a California native who has been married for 41 years with 3 grown children, 2 grand-children and a lover of:

     - Yorkshire Terriers

​     - Hawaii

​     - Italian Food

​     - Fishing (especially saltwater)


Direct/Text (530) 305-7668


The information contained herein is for informational purposes and should not be construed as personal advice. Please consult your mortgage professional BEFORE making any changes to your financial profile. No guarantees or promises are expressed and by visiting this site, you agree to not hold Toni F. Ryan or Synergy One Lending responsible for any decisions you make based on the information stated. All of the content here is the sole property of ToniRyan.com and cannot be duplicated without express written consent. If you choose to reference this material - please include a link to the source and state the authorship clearly.Synergy One Lending is licensed by the California Department of Business Oversight under the California Residential Mortgage Lending Act, Synergy One Lending Inc. NMLS 1025894. 3131 Camino Del Rio N 190, San Diego, CA 92108

© 2021 by Toni F. Ryan - NMLS#230507

Direct/Text (530) 305-7668  |  tryan@S1L.com

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(530) 305-7668

Synergy One Lending Inc., NMLS 1025894. 3131 Camino Del Rio N 190, San Diego, CA 92108. Alabama Consumer Credit License #22123; Arizona Mortgage Banker License 0926603; Arkansas Combination Mortgage Banker/Broker/Servicer License 109250; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act – California License 4131356; District of Columbia Mortgage Dual Authority License MLB1025894; Hawaii Mortgage Loan Originator Company License #HI-1025894; Illinois Residential Mortgage Licensee #MB.6761115; Maine Supervised Lender License 1025894; Maryland Commissioner of Financial Regulation - Mortgage Lender License 21678; Minnesota Residential Mortgage Originator Exemption #MN-OX-1025894; Nevada Mortgage Broker License #4317. Licensed by the New Hampshire Banking Department 19926-MB; Licensed by the New Jersey Banking and Insurance Department – New Jersey Residential Mortgage Lender License 1025894; New Mexico Mortgage Loan Company License 1025894; Oregon Mortgage Lending License ML- 5208; Rhode Island Lender License #20163229LL. Rhode Island Loan Broker License #20163230LB; Vermont Lender License 6891. Washington Consumer Loan Company License CL-1025894. Toll Free #: (877) 978-1922. Subject to Credit Approval. www.nmlsconsumeraccess.org


Loan Consultant | NMLS #230507


Corporate NMLS#1025894