Residential Lending

Do You Fix and Flip Houses?

Special Fix and Flip Credit Line

No Tax Returns, No Bank Statements?

Verification of Employment Only Loans

Buy or Refinancing Investment Property?

Private Money Lending Available

Are you a Foreign National?

Special Lending for Foreign Nationals

Residential Lending

Synergy Financial Partners is a direct real estate lender with offices in California, Nevada and Texas. We provide real estate investors, home buyers and brokers with a reliable, fast source of funding. Synergy offers underwriting and funding for loan purchase, land, and construction loans for single family residents. We can provide loan commitments in as fast as 24 hours and can fund in as few as 10 days.

Diverse Residential Lending Options

  • Loan amounts from $100,000 up to $10,000,000 (higher with exception)
  • SFR Purchase, Refinance, Land, Rehab, and Construction Loans
  • No minimum FICO score.  We lend based on real estate value and future value.
  • We lend to individuals, foreign nationals, self-employed, W-2 employed and entities

Our Loan Process


The start of the process. You discuss your goals, expectations and circumstances with your loan officer. Then we begin the process of helping you find the most cost effective financing option for you.


Your loan officer will get basic information from you to accurately assess which loan options you qualify for.


Together we determine which documents you will need to provide us to submit your file to the next step.

Loan Processing

At Synergy we use in-house loan processing to optimize the process.


We will coordinate with all the parties involved in order to ensure the appraisal is completed to meet projected close times.

Conditional Approval

Conditional approval means your initial application is accepted and its time to work out the details of the loan with your loan officer. We work together to prepare for the best possible outcome.

Final Underwriting

The underwriter reviews and verifies all documents pertaining to your loan and prepares your loan for closing.


After final approval, you are ready to close. The final terms will be drafted up and you will sign all forms with a notary present.