S1 Connect vs HouseHack

Synergy One Lending is committed to making your home buying experience easy and convenient. S1 Connect is the best way to simplify your home buying experience and to get you into your dream home faster! Whether you’re a millennial, baby boomer or luxury homebuyer, S1 Connect offers you the opportunity to receive real time notifications about your home loan so you are informed every step of the way. Key Highlights: - Apply for a loan from anywhere - Track your home loan with real-time notifications - Compare various loan scenarios to help determine the product that best fits your needs - Safe and secure upload of loan documents from your mobile device - Instant access to your Loan Officer and Real Estate Agent

See the number that matters: what a home actually costs you each month — or pays you. HouseHack: Loan Calc is a mortgage calculator built for military homebuyers and house hackers. Run VA, Conventional, and FHA loans side by side, then go where other calculators stop: model a duplex, triplex, or fourplex, live in one unit, rent the others, and see your real monthly bottom line. BUILT FOR VA BUYERS - $0-down VA math with the current funding fee table (first use, subsequent use, and exempt) - Finance the fee or pay it at closing — computed the way lenders do it - Enter your BAH and see what it covers - Compare VA vs. Conventional at identical inputs — see both bottom lines, not just the payments - FHA MIP and conventional PMI estimates too - Adjustable-rate mortgages (3/1, 5/1, 7/1, 10/1): honest best / expected / worst-case scenarios — never a prediction HOUSE HACK ANALYSIS - Per-unit rents and occupancy for 2–4 unit properties - The verdict up front: your net cost to live there, or what the property pays you - Conservative view after vacancy and expenses — no rosy math - Lender-qualifying view at the 75% rental-income convention - Investor metrics: NOI, cash flow, cash-on-cash, cap rate PLAN AND SHARE - Save scenarios and compare properties side by side - Extra-payment payoff: see years and interest saved - Year-by-year amortization - Share a clean one-page summary of any deal - Questions? Send them straight to a VA-specialist realtor from inside the app PRIVATE BY DESIGN Works fully offline — every calculation runs on your phone, and saved scenarios never leave your device. No ads, ever. Anonymous usage stats help improve the app (opt-out in Settings). Estimates only — not a loan offer, lender quote, or financial advice.