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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
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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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.
Communication was great and all deadlines were met. That is what you want from a lender.
Reply from Carmody Team
July 8th, 2026 03:06 PM
I'm grateful for your positive feedback, Scott. It's wonderful to know that our communication and punctuality met your expectations. If there's anything else I can assist you with, please feel free to reach out.
I highly recommend James and his lending team. From start to finish, their communication was exceptional, their response time was incredibly fast, and they consistently kept everyone informed throughout the entire process.James and his team...
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Reply from Carmody Team
June 22nd, 2026 02:24 PM
Thank you so much, Stephanie, for your wonderful feedback. I'm pleased to hear that James and his team provided exceptional communication and support throughout your process. It's great to know that their knowledge and dedication made your...
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Great communi and setting up expectations early on in the process
Reply from James S. Carmody
June 10th, 2026 07:30 PM
Thank you for your kind review Maria. It was a pleasure guiding you through this process. My team and I are honored to be here as a resource for you.
nice smooth transaction
Reply from Carmody Team
June 10th, 2026 07:31 PM
Thank you for taking the time to write us a review Mike. It was a pleasure working with you on this transaction. If there is anything my team and I can do for you please do not hesitate to reach out. We are honored to be here as a resource!...
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Great user dashboard. Easy to follow and keep up to date. Easy to upload files.
James and his team honored our initial interest rate.
Very helpful with credit score re-evaluation.
Reply from Carmody Team
June 10th, 2026 07:37 PM
Thank you for taking the time to write this kind review Bryan. We pride ourselves on ease, expertise, and speed. I am happy to hear this reflected upon the process! It was an absolute pleasure working with you. If you or your loved ones ever...
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The team went above & beyond to make sure everything went smoothly.
Reply from Carmody Team
June 10th, 2026 07:39 PM
Thank you for your review Lauren. I was honored to help guide you through this process. If you have any questions moving forward my team and I are always here as a resource for you.
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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://s1l.com/licensing/
• https://www.nmlsconsumeraccess.org/Enti-tyDetails.aspx/COMPANY/1907235