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James S. Carmody - Branch Manager | NMLS# 308051 in San Diego, CA

James S. Carmody

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Branch Manager | NMLS# 308051

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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
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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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Overall Ratings
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5 Star
93%
4 Star
4%
3 Star
1%
2 Star
1%
1 Star
2%
Reviews from Web
  • write_review_unverified
    C
    Christine W
    Posted on January 31st, 2025 01:45 AM
    James is really, knowledgeable and passionate about loans and helping people. I highly recommend working with him -you won’t be disappointed!!
    Reply from James S. Carmody
    January 31st, 2025 03:00 PM
    Thank you Christine!
  • write_review_unverified
    J
    Jen F
    Posted on January 31st, 2025 01:43 AM
    James provides excellent service to each and every customer, regardless of the size of their loan!!
    Reply from James S. Carmody
    January 31st, 2025 05:27 PM
    Thank you Jen. It is always a pleasure working with you.
  • write_review_unverified
    R
    Ron F
    Posted on January 31st, 2025 12:34 AM
    I have been working with James for 10 years now since I moved to San Diego from Los Angeles. Besides the fact that James and I instantly became friends 10 years ago we have done many deals together and he is my go-to for any of my clients that...
    read more
    Reply from James S. Carmody
    January 31st, 2025 05:26 PM
    Appreciate the kind words, Ron. Ten years flies by, doesn't it? I value your trust and the opportunity to help your clients navigate the ever-changing landscape of real estate financing.
  • write_review_unverified
    M
    Marko S
    Posted on January 31st, 2025 12:00 AM
    James and his team are the absolute best. They were always so easy to get a hold of. We recommend Synergy One and the Carmody team to everyone looking for a mortgage loan.
    Reply from Carmody Team
    January 31st, 2025 03:00 PM
    Thank you so much.
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    M
    Mindy L
    Imperial Beach, CA
    Posted on December 27th, 2024 04:17 PM
    James, Aaron, and Pam form a phenomenal team. Their communication is exceptional, and they go above and beyond to make each of my clients feel comfortable and confident in managing their home finances. I cannot recommend The Carmody Team highly...
    read more
    Reply from James S. Carmody
    December 28th, 2024 02:58 PM
    Thank you for the kind words! We put a lot of thought and care into our communication and systems.
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    R
    Ronald F
    San Diego, CA
    Posted on December 22nd, 2024 07:04 PM
    My client was exstatic with the service received from the Carmody team! Great communication throughout the experience! My go to lender team is the Carmody team!
    Reply from James S. Carmody
    January 31st, 2025 03:01 PM
    Great team effort! Thank you!
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    Brandice N L L M
    San Diego, CA
    Posted on December 22nd, 2024 04:20 PM
    Excellent clarity and communication throughout the process! We had a fantastic experience
    Reply from Carmody Team
    January 31st, 2025 03:02 PM
    Thank you Brandy. We put a lot of thought and care into our systems and processes.
  • Encompass
    C
    Craig H
    San Diego, CA
    Posted on December 10th, 2024 07:25 AM
    Another great transaction with James and his team. Very communicative throughout and met or beat all the timelines. Looking forward to the next one. Thanks James and Synergy 1!
    Reply from James S. Carmody
    December 10th, 2024 02:59 PM
    Thank you for your continued partnership.
  • Encompass
    L
    Lizabeth G
    Santee, CA
    Posted on November 14th, 2024 07:50 PM
    James and his team were utmost professionals! They handled our difficult mortgage situation with grace and aptitud. we are so grateful to have worked with them!
    Reply from Carmody Team
    January 31st, 2025 03:02 PM
    Thank you! So glad we were able to all pull it together.
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    Dianna M
    TEMECULA, CA
    Posted on November 7th, 2024 06:14 PM
    James and his team were so kind, patient, and easy to work with. James always answered our questions and gave great advice.
    Reply from James Carmody
    November 12th, 2024 12:15 AM
    Thank you for the kind works and feedback. We loved working with your family to achieve the goal.
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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
    View All
    What is the Search Rank Score®?
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    Positions
    • Synergy One Lending - Partner, Vice President
      Jan 1st, 2012 - Current
    • Rise Up Radio - Host
      Dec 1st, 2015 - Current
    Memberships
    • MBREA
    • REBA
    • METRO
    • View All
    Addresses and Serving Areas

    Year Started

    2003

    Time Zone

    Pacific Standard Time (PST)
    Licenses
    • NMLS # 308051
    Achievements
    • Chairmans Club
    Hobbies
    • Fishing
    • Watching Sports
    • Family Time
    • View All
    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. • https://s1l.com/privacy-policy/ • https://s1l.com/licensing/ • https://www.nmlsconsumeraccess.org/Enti-tyDetails.aspx/COMPANY/1907235