Myths you should stop believing

20 percent down borrowers are better buyers.​

Pre approval is a loan guarantee.

You need 20 percent down to buy a home or you can't buy a home with zero money down.

You can't buy a home or get a mortgage if you have no credit or very little credit.

Pre qualification and Pre approval are the same things.

You cannot buy a home if you have student loans.


A 30 year mortgage is always the way to go.

Taxes and insurance must be paid with your mortgage.

Tollefson Lending Team

Luxury & Second Home Financing Specialist

123 Highland Ln.

Mill Valley, CA 94941

O: 415.691.7325 | C: 971.998.4758 


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3092 North Lake Boulevard, Suite 4

Tahoe City, CA 96145

10-day close offer only valid for Fannie Mae Purchase Loans after verification of information submitted to Desktop Underwriter.

Synergy One Lending is an Equal Opportunity Employer EEO is the law.

Synergy One Lending, Inc. NMLS #1907235

Corporate HQ:

3131 Camino Del Rio N #150

San Diego, CA 92108

(888) 995-1256

© 2020 by  The Tollefson Lending Team.