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Cynthia Darnell

Senior Loan Advisor | Dublin, California

License/Certifications: NMLS 244703


Cell: 925.989.5302

Fax: 925.605.3756

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Home > About Us > Our Team > Cynthia Darnell

My Story


When you’re considering a real estate purchase, most likely one of the most important financial decisions you’ll make in your lifetime, Cynthia is the ideal Loan Advisor to have by your side. For more than 16 years, loyal clients and business associates alike have trusted Cynthia to help them achieve their mortgage and financial goals.  Her knowledge and experience in the financing and real estate industries uniquely qualify her to offer a high level of mortgage expertise to her clients.


Cynthia is known for her extraordinary level of professionalism, customer service and relentless problem-solving abilities even in the most complex situations. She listens carefully to her client’s individual needs to help them understand all of the options they have when it comes to choosing a loan program; detailing the best choices to meet their long-term and short-term financial goals.


Cynthia also has a solid track record of securing loans and closing transactions on time; this is particularly important when a quick close is needed in a multi-offer, purchase scenario.


Opes Advisors, a Division of Flagstar Bank, has a wide range of loan programs that provide the flexibility to meet nearly every customer’s needs. This, along with the experienced Opes Advisors processing and underwriting team creates a unique flexibility to originate, underwrite, and funds loans at lightning speed as well as the capability to offer “niche” loan programs to accommodate the most challenging loan scenarios.


Cynthia earned a Bachelor of Science degree from the University of Minnesota. She moved from her home in Minnesota to California when she met her husband of now 35 years.  They have lived in the Bay Area for 22 years and have two children and two grandchildren.


Contact Cynthia to learn how she can help you with your real estate financing needs.


“Cynthia and her team were top notch. Communication was spot on, response time was amazing and we were fearful this process would be difficult but it was seamless. It was seamless because of Cynthia and her team. ”
-Mark G.

“Cynthia Darnell is a role model for anyone who desires to exceed expectations. From my first conversation with her to closing, she was focused, clear thinking and eager to serve her client. Her communication skills are excellent and she reaches out both by phone and through email to make certain you understand the status of your re-fi process. Her support team is aware of Cynthia’s high standards and they, too, are eager to be of service. Finally, Cynthia is an excellent listener and does all she can to assure a flawless process. I will always contact her if we decide we want to re-finance again. And, I will refer friends and colleagues to her. She and her team are the best of the best, five stars!”
-Martin D.
“From the very first inquiry, Cynthia and her team were responsive and attentive to every detail of both my transaction and the life story behind it. Cynthia explained the market conditions, best practices for a quick process and what to expect. They were quick to solve any problems that arose along the way. This is the 2nd transaction I’ve done with Cynthia and both have been a success.”
-Jill P.

“Our experience is phenomenal and beyond our expectations! We would give it A++++! Cynthia Darnell and her team are outstanding, knowledgeable and professional. They meet our needs at every level. It was fun, relaxing and stress free working with them. They respond back immediately and always on top of things. We are very blessed and pleased to work with this amazing team! We couldn’t thank them enough for their excellent services and care!”
-Minh L.

“Cynthia was always willing to answer questions and go the extra mile to give me the info I needed to get the best mortgage for us.”
-Benjamin D.

“Cynthia was extremely helpful, knowledgeable, and accessible throughout the process. She provided many options for loans and explained the intricate details so we could make informed decisions.”
-Thea S.

“Cynthia is amazing. She made a stressful process proceed as smoothly as possible, answering all of our questions quickly and thoroughly. Honestly, if it weren’t for Cynthia and her skill and timely knowledge, we would not have been able to buy our new, lovely home.”
-Rebecca J.

“We are first time home buyers. Not only did Cynthia provide rapid and accurate service, she helped explain every question we had. She even answered emails at 9PM at night. We could not have asked for a better experience.”
-Ruensern T.

“Cynthia Darnell is the absolute best. Highly accessible and immediately responsive, Cynthia helped us through a complicated process leading to the home of our dreams. She stayed with us every step of the way offering expert guidance and support. Both professional and personable, Cynthia and her team really delivered for us. We couldn’t be more pleased.”
-Sabrina H.

Cynthia Darnell is a superstar. She’s a rockstar. She is a miracle worker. Can’t say enough about how she made this whole thing work for us even under difficult circumstances.We are her devoted customers.
-Jeffrey P.

Cynthia Darnell is hands down the BEST Mortgage Advisor we have ever dealt with. We have now completed numerous transactions with Cynthia and I have to say ours always for some reason tend to be complicated, but not with Cynthia and her team. We have always closed on time or prior and once you satisfy the paperwork and needed items required, the process is always smooth! This is why not just us, but many of our family and friends use Cynthia and we were so happy to hear she is now working with all 50 states because we have family and friends in many! Honest, trustworthy, hardworking and tenacious are just a few words to describe the Best Mortage Advisor ever! Words cannot even express how amazing Cynthia and her team are. Thank you for everything!!!
-Nicole S.

Our loan was rather complicated (refinance and new purchase). She was meticulous, patient and resourceful. Throughout our loan applications, she often gone beyond her normal duty and worked extra miles for us in order to give us a better options. The most important thing about her is that she really does CARE about her client. We would recommend her to anyone wholeheartedly.
-Eddy K.

Cynthia made this entire process painless and a joy to work through this with her. She always kept me informed throughout the process and allowed me to focus on other tasks in purchasing the house. I felt that she always went above and beyond my expectations in all the work she did. We even closed earlier than we originally planned. I will be recommending Cynthia to anyone looking to purchase a home and definitely will be engaging her again if I have another opportunity to work with her.
-John P.

We have used Cynthia Darnell for all of our lending needs, and she has always gone above and beyond. She takes the time to look into any and all options, and always makes sure to think ahead on everything that is needed. And she always make sure to make you feel like you’re her number one client. You couldn’t ask for more in someone that you trust with something so important!
-Mitchell L.

From the moment we first contacted Cynthia, our experience has been nothing short of fantastic. Cynthia and her team provided all information in a timely fashion and spent time educating us on all the steps of the process. We felt very confident in the team and would 100% recommend them to anybody else looking for a mortgage. We couldn’t be happier.
-Ryan V.

My Loan Officer met above and beyond our expectations. She treated us as human beings! My past experiences with other companies made me fearful and confused about the process. However this load officer explained things in a manner in which we understood. We were clearly and professionally told all our options. The document receiving process was truly a breeze with both our Loan Officer and Professing staff. Explained everything and never lost any documents. Loved the whole process!
-Elizabeth J.

Intelligent, personal service. Cynthia Darnell is a true partner and her consultative approach and expertise have made her our go-to resource for our real estate transactions.
-Wendy P.

Cynthia really help me find the right loan, she made everything easy and always explained with great detail. She help me find an affordable home and help me accomplish another goal. She’s the BEST!
-Jasymn W.

Exceptional team effort to educate us on options then proactively and aggressively communicate and follow up to ensure we obtained the lowest cost loan, best interest rate with minimal fees to refi….The time from start to loan funding was incredible, and we only had to supply the basic documentation to fund this jumbo loan!
-Bradley L.

We were given enough information and attention during this process to feel well-informed and comfortable working with Cynthia and her team. We are numbers and scenarios people so we appreciated Cynthia’s patience with us which gave us the confidence to make an informed decision that was right for us. Cynthia and her team communicated with us every step of the way and worked with us to prepare all the necessary paperwork so everything could be ready in a timely manner.
-Benjamin M.

Our loan process took over 8 months. At times there was frustration with dealing with lawyers, the County and another bank. Thru all of the this Cynthia was there every step of the way keeping a positive attitude. Cynthia was more than a loan agent, she treated us like a friend. Thank You for everything you did for us.
-Kevin D.

Cynthia is an amazing Loan agent. She’s easy to work with and very thorough. The loan process during a home purchase can be very stressful (especially during holidays) and because of Cynthia and her team it went smoothly from start to finish. They made the whole process so much easier. If I ever need to refer friends and family to a Loan agent I wouldn’t hesitate to send them to Cynthia. She’s First Class all the way. Thanks Cynthia from our family of 7 for making our Dream Home a reality.
-Cynthia T.

Branch: Dublin

4160 Dublin Boulevard, Suite 150

Dublin, CA 94568

Phone: 925.474.2906

Fax: 925.474.2999


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