September 15, 2002



Boards of Directors
Synergy, MHC
Synergy Financial Group, Inc.
Synergy Bank
310 North Avenue East
Cranford, NJ 07016


Dear Board Members:

We hereby consent to the use of our firm's name, FinPro, Inc. ("FinPro"), in the
Application for Conversion of Synergy,  MHC, and any amendments thereto,  and in
the  Registration  Statement on Form S-1, and any amendments  thereto,  filed by
Synergy  Financial  Group,  Inc.  and  references  to the  Conversion  Valuation
Appraisal  Report  ("Report")  and the  valuation  of Synergy,  MHC  provided by
FinPro, and our opinion regarding subscription rights filed as an exhibit to the
applications  referred to above.  We also  consent to the use of our firm's name
and the  inclusion of,  summary of and  references to our Report in the Form S-1
Registration Statement filed by Synergy Financial Group, Inc. and any amendments
thereto,  and the  Application  for  Conversion  filed by  Synergy,  MHC and any
amendments  thereto.  We  hereby  consent  to being  named as an  expert  in the
prospectus  under  the  caption  "Experts",   filed  with  the  Application  for
Conversion and the form S-1 Registration Statement.


                                    Very Truly Yours,


                                    /s/FinPro, Inc.

                                    FinPro, Inc.