MALIZIA SPIDI & FISCH, PC
                                ATTORNEYS AT LAW

1100 NEW YORK AVENUE, N.W.                            1900 SOUTH ATHERTON STREET
SUITE 340 WEST                                                         SUITE 101
WASHINGTON, D.C.  20005                                 STATE COLLEGE, PA  16801
(202) 434-4660                                                    (814) 272-3502
FACSIMILE: (202) 434-4661                             FACSIMILE:  (814) 272-3514



May 21, 2004

Synergy Financial Group, Inc.
310 North Avenue East
Cranford, New Jersey  07016

                RE:     Registration Statement on Form S-8:
                        --------------------------------------------------------
                        Synergy Financial Group, Inc. 2003 Stock Option Plan
                        Synergy Financial Group, Inc. 2003 Restricted Stock Plan

Ladies and Gentlemen:

         We have acted as special counsel to Synergy  Financial  Group,  Inc., a
New Jersey  corporation (the  "Company"),  in connection with the preparation of
the  Registration  Statement  on Form S-8 to be filed  with the  Securities  and
Exchange  Commission (the "Registration  Statement") under the Securities Act of
1933, as amended, relating to 828,131 shares of common stock, par value $.10 per
share  (the  "Common  Stock")  of the  Company  which may be issued (i) upon the
exercise of options for 617,088 shares of Common Stock granted under the Synergy
Financial Group, Inc. 2003 Stock Option Plan, and (ii) upon the award of 211,043
shares of Common Stock under the Synergy  Financial Group,  Inc. 2003 Restricted
Stock  Plan  (collectively,  the  "Plans"),  as  more  fully  described  in  the
Registration Statement. You have requested the opinion of this firm with respect
to certain legal aspects of the proposed offering.

         We have examined such documents, records, and matters of law as we have
deemed  necessary for purposes of this opinion and based thereon,  we are of the
opinion that the Common Stock when issued  pursuant to the stock awards  granted
under and in  accordance  with the terms of the Plans  will be  validly  issued,
fully paid, and nonassessable.

         We hereby  consent to the  filing of this  opinion as an exhibit to the
Registration Statement on Form S-8.


                                             Sincerely,



                                             /s/Malizia Spidi & Fisch, PC
                                             -----------------------------------
                                             Malizia Spidi & Fisch, PC