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(Open now)
Fri
9 AM to 5 PM
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Reviews from Web
We had a great experience with the Carmody team, very professional, knowledgeable and patient.
i would highly recommend the Carmody team!
Clear quick communication. I had a short close and needed things in a timely manner.
Reply from Carmody Team
October 26th, 2026 03:43 PM
Tammy, I'm glad that the communication was clear and quick during your short close with Synergy One Lending, Inc. It's great to know that everything was handled in a timely manner to meet your needs.
Everyone was so helpful, patient, and professional throughout the entire process. I truly appreciated the time taken to answer all of my questions and ensure that I understood everything. The level of customer service I received was outstanding,...
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Reply from Carmody Team
October 26th, 2026 06:47 PM
Veronica, I'm pleased to hear that you found the team at Synergy One Lending, Inc. to be helpful, patient, and professional throughout the process. I'm grateful that our efforts to provide excellent support made a positive impression on you....
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James Carmody and his team are great lenders! They were extremely responsive, highly knowledgeable, and made the entire process smooth and seamless.
Reply from Carmody Team
October 19th, 2026 04:57 PM
Deborah, I'm pleased to know that James Carmody and his team at Synergy One Lending, Inc. provided such responsive and knowledgeable service. It's great to hear that the process was smooth and seamless for you.
Intro meeting to explain the process. Good communication by email.
Reply from Carmody Team
October 19th, 2026 07:16 PM
Andrew, I'm glad to hear that the initial meeting to explain the process was helpful and that the communication via email met your expectations. At Synergy One Lending, Inc., ensuring clear and effective communication is important to us.
Working with James and the Carmondy team was fantastic. As new home buyers, we knew less than nothing, and James took the time to educate us and walk us through every step!We couldn't have felt more secure in the process and we'd recommend...
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Reply from Carmody Team
October 16th, 2026 04:05 PM
Nathan, I'm happy to hear that working with James and the Carmody Team was a great experience for you as new home buyers. It's wonderful to know that Synergy One Lending, Inc. provided the guidance and support you needed. Thank you for recommending...
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Your team worked vey hard and fast for my loan! Thank you.
Reply from Carmody Team
October 8th, 2026 04:59 PM
Maryellen, I'm glad to hear that the Carmody Team at Synergy One Lending, Inc. worked hard and efficiently on your loan. Thank you for sharing your positive experience!
My buyers were initially working with another lender, but neither the transaction nor the lender was on track to meet the contract timeline. I recommended the Carmody Team, and they delivered. Despite a 14-day escrow, the buyers were thrilled...
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Reply from Carmody Team
October 7th, 2026 04:17 PM
Colleen, I'm pleased to hear that the Carmody Team at Synergy One Lending, Inc. provided such solid service and met the contract timeline effectively. It's great to know that their professionalism and daily communication made a positive impact...
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James and his team was on top of every aspect of the loan process to both my client and myself. His communication was wonderful and always timely. He was excellent explaining my first time VA buyer the process of obtaining a loan and guiding...
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Reply from Carmody Team
October 7th, 2026 04:10 PM
Michelle, I'm pleased to hear that James and his team provided excellent communication and support during the loan process with Synergy One Lending, Inc. It's great to know they were able to guide your first-time VA buyer successfully through...
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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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Reply from Carmody Team
September 22nd, 2026 07:12 PM
Mindy, I'm grateful to hear about your positive experience with James, Pam, and Aaron at Synergy One Lending, Inc. It's wonderful to know that our partnership helps make the home-buying process smooth and enjoyable for our clients.
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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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