Business Details
Your Trusted Mortgage Partner in San Antonio
Synergy Home Loans is a locally owned, full-service mortgage company dedicated to helping home buyers select the mortgage option that best fits their needs while providing the greatest value. Our team of Loan Originators and Processors takes pride in being among South Texas' most competent, experienced, and knowledgeable mortgage finance specialists, committed to making the mortgage process simple and straightforward.We specialize in residential real estate loans, including Conventional, FHA, VA, Texas Vet, USDA, Jumbo, and Interim Construction loans, as well as financing for lots, land, and commercial real estate. With big company experience and a small company approach, we deliver world-class service with a personal touch, tailoring solutions to meet individual borrower requirements.
Services
Conventional Loans
FHA Loans
VA Loans
Texas Vet Loans
USDA Loans
Construction Loans
Jumbo Loans
Reverse Mortgages
Investor Loans
Lot/Land Loans
Highlights and features
- We offer over 20 years of combined experience in mortgage finance.
- Our team specializes in tailored loan programs for unique borrower needs.
- We provide transparent, jargon-free guidance throughout the mortgage process.
- Our local ownership ensures deep community knowledge and personalized service.
- We maintain NMLS compliance and state licensing for regulatory excellence.
What people say
Best at what you do
Professionalism and dedication
Enthusiasm and dedication
Simple and straightforward process
World-class service
Services
Conventional Loans
Conventional loans provide flexible financing options for homebuyers with competitive interest rates and terms up to 30 years. These loans require as little as 5% down payment with mortgage insurance, making them ideal for borrowers seeking low-cost financing over the loan's lifetime. Our team helps clients navigate eligibility requirements and optimize their financial positioning.
Texas Vet Loans
Texas Vet Loans offer low-interest rates and minimal down payment requirements for eligible veterans through the VLB Veterans Housing Assistance Program. We specialize in processing these state-specific loans, including interest rate reductions for disabled veterans, to make homeownership accessible for Texas service members and their families.
Construction Loans
Our construction loans support custom home building projects with interim financing that transitions to permanent mortgages. We coordinate with builders and provide pre-approval packages to streamline the construction process, including specialized 1X Construction Loan products for hassle-free project funding.
Reverse Mortgages
Reverse mortgages enable homeowners aged 62+ to convert home equity into tax-free income for retirement support, home improvements, or debt elimination. Our specialists explain program requirements, eligibility criteria, and financial implications to determine if this product aligns with clients' long-term goals.
USDA Loans
USDA loans provide low-down payment financing for properties in eligible rural and suburban areas with income restrictions. We assist clients in determining property eligibility and navigating the application process for these government-backed loans that promote homeownership in expanding communities.
People
Elena Carol Neis
President/Residential Mortgage Loan Originator
Elena Carol Neis leads Synergy Home Loans with over 25 years of mortgage industry experience, specializing in residential loan origination and client relationship management across South Texas markets.
Nathan Alan Neis
Operations Manager/Residential Mortgage Loan Originator
Nathan Alan Neis combines operational oversight with direct client service, leveraging 15+ years of mortgage expertise to streamline loan processing and ensure regulatory compliance for Texas borrowers.
Michael Martinez
Residential Mortgage Loan Originator
Michael Martinez serves Spanish-speaking clients and English-speaking borrowers alike, offering bilingual support and 12 years of mortgage origination experience to simplify the home financing process.
Bobby Ainslie
Residential Mortgage Loan Originator
Bobby Ainslie brings 8 years of mortgage consulting experience, focusing on first-time homebuyer programs and specialized loan products for unique financial situations.
Brigitte Lynn Grant-Frausto
Residential Mortgage Loan Originator
Brigitte Lynn Grant-Frausto specializes in first-time homebuyer education and down payment assistance programs, helping clients achieve homeownership with tailored financial solutions.
Questions
What mortgage loan types do you offer?
We offer Conventional, FHA, VA, Texas Vet, USDA, Jumbo, Construction, Lot/Land, Reverse, and Investor loans to meet diverse home financing needs.
How can I get pre-approved for a mortgage?
Start by submitting basic financial information through our online application center or contacting our team for personalized pre-approval guidance.
Do you offer down payment assistance programs?
Yes, we provide down payment assistance options for qualified buyers through specialized loan programs and local initiatives.
What is the Texas Vet Loan Program?
This state-specific program offers low-interest mortgages with minimal down payments for Texas veterans, including disability-related rate reductions.
Can I apply for a mortgage online?
Yes, our online application center allows you to start the mortgage process digitally while maintaining access to in-person support.
How do reverse mortgages work?
Reverse mortgages convert home equity into tax-free income for homeowners aged 62+, with options to purchase homes or eliminate existing mortgages.
