Toni F. Ryan - Pinnacle Home Loans - Roseville, California

Jacob Miller

We were first time homebuyers and Toni was recommended to us from our realtor. From start to finish she was amazing to work with, walking us through the process each step of the way, and an always friendly and active communicator. She helped us get underwritten before we put in offers, actively worked to ensure we got the lowest interest rate possible, and easily navigated a change in requirements that affected our mortgage last minute. I would highly recommend Toni and would work with her again in the future!

Dennis Arkin

Working with Toni Ryan on our successful re-finance of our existing home loan was a very quick and easy experience. I found Toni to be very informative with regards to the different scenarios we had to choose from. Through her guidance we found a result that was best for our situation.

Additionally, Toni was very responsive in keeping us up to date with each step in the process. All in all, I was extremely pleased with her service and would recommend her to anyone interested in a home loan or refinance of their existing home loan.

Soren Gutierrez

Toni and the team at Synergy One Lending are amazing! Toni was our loan agent when we purchased a house in 2018 and she's been diligently watching the rates and contacting us when it makes sense to refinance. We've refinanced twice with Toni and recently secured a rock bottom rate that will save us hundreds of dollars per month. Toni makes the process easy - her calculations are always correct and she's very responsive. It's a pleasure to work with Toni!

Kevin Minto

Toni Ryan is absolutely exceptional! My wife and I have bought several houses in the last ten years and have dealt with some very good loan consultants but none compare to Toni Ryan. Her work ethic is unbelievable and she makes sure all I's are dotted and T's are crossed so there are no surprises when crunch time hits. Add that to her wonderful personality all makes the stressful situation of buying a house so much easier to handle.

Marin Ivešić

We had a great experience with Toni. We were first-time home buyers, so we had a lot of questions, Toni really helped us through. What I appreciated most about Toni was how quickly she responds to communication. Toni is amazing and made our process so easy and smooth. I would definitely recommend Toni to everyone! Thank you, Toni!

Perry Cohen

Toni did a great job getting us through a very difficult time with a refinance. She was positive and communicative throughout the experience. I would happily give her more business in the future!

Larry Gilmore

If you were to look up the words "honesty" and "integrity" in the dictionary, their definitions would be synonymous with my experience working with Toni. I always felt Toni had my back throughout the loan process and she managed our new home builder when they were trying to prematurely push a "closing" before the house was ready. I shudder to think what would have happened if I went with the builder's lender...even with their closing cost credits. Thanks Toni!

Rodney Terra sr (Rod)

I have used Toni two times now and I am very pleased with her work . She is very personal and helpful. She is always there when any question comes up and proactive if there is any information needed to keep the mortgage happen . We made a great team . I highly recommend Toni Ryan