Why you'll love my free guide!

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!

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

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. 

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 fluctuate. The best advice will come from a professional loan officer who knows your situation. 

Coming Soon!

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 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

© 2020 by Toni F. Ryan - NMLS#230507

Direct/Text (530) 305-7668  |

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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.


Loan Consultant | NMLS #230507


Corporate NMLS#1025894