James S. Carmody
Branch Manager | NMLS# 308051
It has always been James’ vision to create an educational experience for his clients. When you work with James and his team, you will immediately feel the difference. His primary purpose is to assist you in making sound financial long and s... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
James, Pam, and Aaron consistently deliver a 5-star experience from start to finish. I truly love our partnership—together, we make our clients feel comfortable, confident, and well taken care of throughout every step of the home-buying process....
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Excellent communications with James, Aaron and Pam and we appreciated your flexibility in working with us through a delayed and challenging escrow!
Amazing experience working with James and his team. I was so impressed with their level of knowledge and did a great job of walking me through each step of the loan process. The communication was also excellent. I couldn't be more grateful...
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Reply from Carmody Team
September 14th, 2026 06:45 PM
Ashley, I'm glad to hear you had such a positive experience with James and his team. It's wonderful to know that their knowledge and communication made your first home purchase smooth. Thank you for your kind words and your willingness to recommend...
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Everything was done so quickly and efficiently. Truly a 10/10 experience. Great comunication with my clients and with me. Very impressed and happy! Thank you James and Pam!
Reply from Carmody Team
September 11th, 2026 07:27 PM
Andrea, I'm pleased to hear that you had such an efficient and positive experience with James and Pam. Your satisfaction with the communication and service means a lot to me. Thank you for sharing your wonderful experience!
Trust, Communication, Transparency, & Subject Matter Expertise!
Reply from Carmody Team
September 8th, 2026 04:09 PM
Scott, I'm grateful for your kind words and recognition of our trust, communication, transparency, and expertise. It's wonderful to know we could meet your expectations in these areas.
James and his team went above and beyond to make sure that everything went smoothly! Would highly recommend to our friends and family.
Reply from Carmody Team
September 7th, 2026 04:23 PM
I'm pleased to hear that James and his team exceeded your expectations, Anabelle. Your recommendation means a lot, and I'm glad we could provide a smooth experience for you.
James and his team were excellent. They were timely in their communication , friendly and responsive to my needs. The ensured the loan process went through in a smooth fashion. I would highly suggest them to others.
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Reply from Carmody Team
September 1st, 2026 07:16 PM
I'm glad to hear that James and his team provided such excellent service, Christopher. It's great to know that their communication and responsiveness helped make the loan process smooth for you. Thank you for recommending us to others!
The whole process felt like a high pressure sales situation. The relationship and communication felt adversarial most of the time. As a first time home buyer I would have preferred to have someone in my corner. At the end of the day, they got...
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Everyone was communicative and friendly. We had a short close and the whole team was able to get everything done on time with little to no delays.
Reply from James S. Carmody
August 11th, 2026 04:29 PM
Thank you, Mateos, for sharing your experience. I'm glad to hear that our team was communicative and efficient in meeting your timeline. If you have any further questions or need assistance, feel free to reach out, we are honored to be here...
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James and the full team!
Reply from Carmody Team
July 29th, 2026 03:05 PM
I'm happy to hear that you had a positive experience with James and the team, Steven. If there's anything more I can do for you, please feel free to reach out.
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About
It has always been James’ vision to create an educational experience for his clients. When you work with James and his team, you will immediately feel the difference. His primary purpose is to assist you in making sound financial long and short-term choices. He knows that a home loan is one of the biggest financial transactions most people will ever make. He and his team are highly motivated to excel in all aspects of the loan process. We use industry leading tools to share with our clients in order for them to create a clear path to the most cost-effective mortgage strategy. Being a direct lender allows James to underwrite and fund loans in-house which translates into quick smooth closings for his clients.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
First Time Home Buyer Specialist
VA Loan Expert
Wide Range of Investor Loan Programs
Aggressive Jumbo Rates
Conforming Fixed & Adjustable Rate
FHA, VA & USDA
Non-QM, Jumbo & Super Jumbo
Down Payment Assistance
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Positions
- Synergy One Lending - Partner, Vice PresidentJan 1st, 2012 - Current
- Rise Up Radio - HostDec 1st, 2015 - Current
Memberships
- MBREA
- REBA
- METRO
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2003
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 308051
Achievements
- Chairmans Club
Hobbies
- Fishing
- Watching Sports
- Family Time
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Disclaimer
Synergy One Lending, Inc., NMLS 1907235 | www.nmlsconsumeraccess.org | 610 W. Ash Street, Suite 1505, San Diego, CA 92101 | (888) 995-1256 | State required licensing information: AZ BK #1006787; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Act and the California Financing Law license; GA Residential Mortgage Licensee #70829; KS Mortgage Company License #MC.0025627 and KS Supervised Loan License #SL.0026885; MA Mortgage Lender/Broker License #MC1907235; NV Mortgage Company License #5186; Licensed by the N.J. Department of Banking and Insurance; OH Registration #RM.804609.000; Rhode Island Licensed Lender and Broker. Not affiliated with any government agency. All Loans are subject to underwriting approval. Terms and Conditions apply. Subject to change without notice. Equal Housing Opportunity.
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• https://www.nmlsconsumeraccess.org/Enti-tyDetails.aspx/COMPANY/1907235