Constantly challenging ourselves to deliver more to our clients.
With access to a wide range of banks and lenders, the industry experts at Synergy Financial Group will efficiently help you find the best program to fit your needs.
- Purchase Loans
- First & Second Mortgage Refinances
- Lines of Credit
- Construction Lending
- 2nd Mortgages
- Refinance Loans
Have Questions? We Have Answers. Contact us today.
949 922-9244
Guiding self-employed buyers home, one success story at a time.
If you’re self-employed and dreaming of a home, we’d love to help make it happen. We are ready to help you find the best possible mortgage solution for your situation. Contact Sheila Siegel at Synergy Financial Group today.
So thankful for amazing clients like this
Another happy homeowner. Another reason we love what we do. We are ready to help you find the best possible mortgage solution for your situation. Contact Sheila Siegel at Synergy Financial Group today.
Non-Traditional Income? Approved!
If you’re self-employed and dreaming of a home, we’d love to help make it happen. We make getting a home loan for self-employed and independent professionals easy. We are ready to help you find the best possible mortgage solution for your situation. Contact Sheila Siegel [...]
Looking for 5-Star Performance in a Lending Partner?
Read Our Recent Reviews
Visit our Google California page or Google Montana page to see what people are saying about us.
★★★★★
Complex Income? Approved!
Sheila is awesome!! We had pretty complicated finances/non-traditional incomes and Sheila was a trove of knowledge and support. She was always easy to reach and communicate with and explained everything every step of the way. 10/10 recommend and can’t wait to buy another one through her!
Mack F.
★★★★★
Someone You Can Trust
Sheila is really a great loan officer, CE instructor, and caring person. She is someone you can absolutely trust with your loan process.
Heidi E.
★★★★★
Highly Experienced
Sheila is incredibly knowledgeable with over 30 years of experience in lending. I am a real estate agent that has worked with Sheila and also chose her to be my lender as I search for a home. She is upfront, kind, smart, and prompt. She will work hard to find the best option for any client, and if she thinks there is a better option that she doesn’t offer, she will refer the client out. That speaks volumes to me of her character and her commitment to find each person the best fit for them and their budget.
Carrie P.
★★★★★
Self-Employed — No Problem
So Thankful for Sheila and her team. She is so helpful in finding help for us who are self-employed. We found our forever home and she made it possible for us to be here.
Holly P.
★★★★★
Phenomenal Work
★★★★★
10 Stars!!!
If I could give 10 stars to Sheila, Mona, and the team at Synergy Financial Group, I would! I have been a client of Sheila’s since 2016, and have purchased two homes through Synergy. They were originally recommended by my real estate agent, and when purchasing the second home I came back because the process was easy and the results were great the first time. They are professional, patient and answered all of my questions along the way. They seamlessly partner with the real estate and escrow teams to make the loan happen on time. Their approval process is easy to work through and the technology makes providing documents easy and painless. I am very happy with the options given regarding rates and would recommend them any time for a home purchase.
Kristen R.
★★★★★
So Knowledgeable!
Sheila is so knowledgeable and patient. She sticks with you every step of the way and no matter how many questions I asked she was always willing to answer them with a smile on her face. She steered me in the right direction and is willing to send business on if she thinks someone else can offer a better service for a specific need. I have used her for both my personal home loan as well as directed my real estate clients to her and she is always professional, knowledgeable, and kind.
Carrie F.
★★★★★
In Very Good Hands!
★★★★★
I Would Use Them Again
Sheila and her team were amazing! We have refinanced with them three times in the last 10 years and I would happily use them again. They are responsive and available to answer any questions throughout the process and helped move the process along as quick as possible. We are super happy with the process and the results of our refinance. Thank you Sheila!
Rebecca L.
★★★★★
Responsiveness, Quality, Professionalism
Sheila and her entire team were fantastic! The level of knowledge, customer service, and follow up throughout the process with them was exceptional. I always felt very supported and confident that her team was taking care of everything necessary as quickly as possible. I would highly recommend them to anyone interested in purchasing or refinancing a home.
Matthew G.
★★★★★
Second to None!
★★★★★
I Recommend Shelia
My wife and I hadn’t refinanced in nearly 10 years, so we didn’t have a contact. Sheila was recommended to us by our good friends and neighbors and she did not disappoint. She and her team were fantastic to work with. We had a lot of questions and Sheila was very patient with us through the entire process. Thank you for making this process so easy!
Jeff U.
★★★★★
The Best!
Sheila and her team are simply the BEST! They are on top of everything and work to get you the best loan. Being able to trust someone is invaluable and there is no question about trusting Synergy Financial. Thank you for making our refinance so easy.
Denise D.
★★★★★
Forever Grateful For Your Help!
Happy thought for your Sunday morning…. Every now and then for the past few days it hits me. I did it!! I am a homeowner. Just me. All on my own. No more worry. I can afford it. The house is MINE. After a long and sometimes very challenging process through my divorce, I can finally relax. Goodbye sleepless nights.
THANK YOU my friend for guiding me through the process with ease, kindness and grace, for coordinating with (my ex) to minimize our contact while our relationship is somewhat strained.
I don’t know if you realize all the good that comes of what you do. You truly HELPED me. You took one of my biggest worries and just made it go away. I will be forever grateful for your help.
Jackie H.
★★★★★
So Great!!!!
Sheila and her team were so great. We recently refinanced and everything was so smooth. Mona & Sheila were very quick in responding to whatever questions we had. They were also very informative on every step. I highly recommend Synergy Financial Group.
Camry W.
★★★★★
Shelia Deserves More Stars!
There are not enough stars for Sheila and her team! She patiently worked with us until time was right for refi. The process was simple, efficient and easy. I highly recommend Synergy and would use them again in a heart beat! Thank you Sheila for helping us and always having our best interests at heart!
Kristan H.
★★★★★
Don’t Waste Your Time Going Anywhere Else.
Sheila Siegel and her team at Synergy Financial group worked their magic and were able to find me the right financing for my property.
After a few escrow extensions due to a disastrous previous lender experience, Sheila was able to salvage my deal and close escrow on time!.
If you are buying a house, a second home or looking to refinance, don’t waste your time going anywhere else.
If I could give this review 10 stars I would!!!
Marcelo S.
★★★★★
I Recommend Shelia
Sheila is great! I had two rental properties that I needed refinanced and Sheila made everything nice and easy! I would recommend Sheila every day of the week!
Jason C.
★★★★★
Very professional
Very professional, thorough, and prompt. My loan was processed quickly and efficiently. I would recommend them to anyone.
Mr. American Idiot
Visit our Zillow lender profile page to see what people are saying about us.
★★★★★
Highly Recommended
As a first time apprehensive home buyer I really needed some guidance. Sheila and Mona took me step-by-step through everything before I even looked at a place. I know I asked them the same questions, many of which I hadn’t even known to ask at first, several times. They are extremely knowledgeable, patient, and repeatedly explained all my options in detail. Their experience shows as they understand what you’re going through and what you need to know. Once I was in escrow they were right there with me. And now that I’m a homeowner they are still there. Readily available to answer any question with a quick response. I am very grateful for all of their help and highly recommend their services. Sheila and all of her staff are awesome people!
1wildwes from Irvine, CA
★★★★★
Her Staff is Always Responsive
I have been using Sheila for several years and will continue to do so. She is always helpful and patient with me, knowledgable and ready to answer my questions. She listens to her clients and goes out of her way to make sure they are satisfied. Her staff is always responsive as well. She truly cares.
vlimamura from Huntington Beach, CA
★★★★★
Excellent Service & Knowledge!
Sheila knows her stuff! I came to her looking for an alt doc loan because I’m self-employed. There were other complicating factors as well. She was able to get me a reasonable loan, and really fought for me when shopping lenders to get me the best rate & terms. The process was complicated, and her explanations were thorough – I never felt like I was in the dark or possibly “being had”, as I have in other real estate transactions. She is the only person I’ll be recommending in the future for folks looking for a mortgage, and when it’s time for me to refi, she’ll be my first and only contact.
taterdog71 from Rancho Santa Margarita, CA
★★★★★
AMAZING!!!!
I just bought my first home & was FORTUNATE enough to work with Sheila. I can’t stress enough how helpful, patient, understanding & knowledgeable she is!!!! Even now that my home has closed escrow & I am officially a homeowner, she is still there when I have questions. Sheila goes above & beyond to make sure you get the best rate, lowest closing costs, that all your questions are answered & that any info that escrow or the lender might need, they will have it before they need to ask. Thanks to Sheila & her team, I survived my first home purchase & will ONLY refer people to her & she is the ONLY one I would consider using if & when I refinance or purchase another home!
Melissa B. from Brea, CA
★★★★★
Absolutely Fantastic!
Sheila and her team at Syngery Financial are amazing! She helped us achieve our dream of purchasing our first home. We had no idea what to expect and she helped us through the entire process. There was no room for us to worry! She was so patient and made sure that we felt comfortable with every decision we made. It was a pleasure working with Sheila and will definitely come back to her in the future! Highly recommended especially for first time home buyers 🙂
Jennifer D. from Orange, CA
★★★★★
Simply the BEST!
Sheila and Synergy Financial are the BEST! Sheila is professional, hardworking, and very creative. I always appreciate her ability to think ‘outside the box’ to come up with lending solutions. I have used Sheila several times over the years and have always been extremely impressed. There is nobody better!
user7826406 from San Diego, CA
★★★★★
Sheila is Amazing.
We worked with Sheila for our first house purchase, and we could not be more satisfied by her professionalism, responsiveness and hard work. We highly recommend her!
Sanaz from Carlsbad, CA
★★★★★
Simply Amazing
We recently got married and decided to look for a new house. Within 5 days, we were selling a house and buying a new one, so needless to say, we were a bit stressed.
We were fortunate enough to be introduced to Sheila Siegel with Synergy Financial Group. Sheila is simply amazing. She was on top of everything (we closed in 31 days!) She expertly walked us down the path of buying our new home, ensuring we were comfortable with all the financial details. She was with us for every step and followed up on all of our questions and concerns. There was never a time we felt lost in the process. Sheila and her team take great pride in assisting with each stage of the process and building relationships.
Without hesitation, we highly recommend Sheila for your funding transactions. She will not disappoint you and will ensure you are completely comfortable buying your dream home! You can’t do any better than Sheila!
Deni from Coto de Caza, CA
★★★★★
Sheila Siegel is Fantastic to Work With!
Everything was great and Shiela couldn’t have been more helpful, hardworking and on the ball. Honestly, there were some twists and turns that she handled brilliantly and we highly recommend her!
Donnie from Laguna Niguel, CA
★★★★★
Very Informative, Professional and Understanding. HIGHLY RECOMMEND!
Sheila and her team assisted my wife and I in understanding the process and making the purchase of our first home pretty simple! She made sure that we understood the interest rates and when it’s important to lock them in. Helped us in the payment variables and figuring out what we could afford to do. The process was very smooth and as stressful as a purchase can be we felt very much at ease with our home buying experience. They really are a class act and I highly recommend them.
catlovrs from Mission Viejo, CA
★★★★★
Best loan rate available on a cabin in Big Bear
Sheila was a big help to us when we purchased our family cabin in Big Bear. We toured a cabin on a Saturday, and received the pre-approval letter first thing Monday am and were in escrow shortly thereafter. Throughout the process, Sheila was responsive and kept on top of the various underwriters. We closed in 30 days and the whole process was enjoyable.
robertdchute from Big Bear City, CA
★★★★★
Sheila Siegel is the Best, Most Kind, & Professional Broker
Sheila Siegel is amazing and has become a friend through our loan process! On our first phone call, she sincerely took the time to introduce herself and explain the home loan process, and get to know me and my family. I knew immediately she was who I wanted to work with. I ask A LOT of questions, and never once did she seem impatient with me or rush me. She wanted to make sure we were comfortable with our loan and payment amount the entire process. She has a way of explaining things to in a way that makes perfect sense when the numbers seem overwhelming. I felt more knowledgeable about loans, the economic market, and interest rates each time we spoke. She got us locked in at an excellent rate, even when we had some odds stacked against us. She literally fought for us to get our loan closed before interest rates were anticipated to go up, and she is extremely well-connected and knows the industry better than any mortgage broker I’ve ever talked to. I wish I could afford to buy property all the time so I could continue to work with Sheila. I look forward to refinancing and continuing to work with her in the future. I highly, HIGHLY recommend Sheila Siegel.
robyntminer from Rancho Santa Margarita, CA
★★★★★
Amazing Experience!
My husband and I recently purchased a new home and had a wonderful experience with Sheila at Synergy Financial. As we all know, applying for a home loan is more complicated than it used to be; however, Sheila made it as painless as possible. She was very knowledgeable and helped us navigate the world of home loans by presenting multiple financing options and explaining the pros and cons of each one. She was able to help us know when to lock our interest rate and presented a sense of calm throughout the process. Sheila was always available to answer questions and offer guidance by email and by phone. My husband and I feel so lucky that we were able to work with her and Synergy Financial. We will certainly look to use her again for any future financing needs and would not hesitate to refer family and friends!
kbrown2004 from Ladera Ranch, CA
★★★★★
We Loved Our Experience With Sheila
Sheila was by far the most effective and the most comforting financial advisor that I have ever worked with. My family recently bought a home and needed a mortgage lender for the purchase. We presented with multiple challenging aspects of a privately owned business and did not have success with other mortgage brokers. Sheila was recommended to us and she was “amazing!” She called us over the weekend to establish an initial relationship and worked day and night communicating with us daily. She was confident and highly organized and never made us feel uneasy about this difficult process. We received funding on our loan and were obviously overjoyed.I can not recommend anybody higher than Sheila Siegal! She is extremely personable and efficient. We loved our experience with Sheila and I will recommend her to every family member and friend! She is the BEST!
doctraviset from Rancho Santa Margarita, CA
★★★★★
Sheila is a fantastic person to work with.
Sheila is a fantastic person to work with. She is responsive and always willing to answer the many questions we asked during our initial process getting a loan and then with our recent refinance.
kristin gurrola from Los Alamitos, CA
★★★★★
Great at Explaining
Sheila at Siegel Synergy Financial was the BEST to work with. Sheila is very knowledgeable regarding loans and very straight foward with you, but in a kind way. If she tells you something is able to be done-she means it. We had a couple questions regarding our loan and she was so helpful at explaining everything to us. The team that she works with are equally as amazing and very responsive. I recommend Shiela to everyone I know that is in the process of looking for a house.
CamryWarner from Norco, CA
★★★★★
Very Up Front and Professional.
Sheila just assisted us with finding our loan for our home purchase. She was happy to run multiple cenarios so that we could find the very best option for us. She was very up front with all the details and was very professional. I look forward to working with her again and I am telling all of my friends and family about our great experience using synergy to find our loan.
smith kat11 from Norco, CA