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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(Open now)
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
  • Encompass
    A
    Anastasia B
    San Diego, CA
    Posted on July 25th, 2023 07:51 PM
    Very smooth and fast loan closing. Thank you so much!
  • Encompass
    R
    Robert E M
    Carlsbad, CA
    Posted on July 2nd, 2023 08:26 PM
    Synergy One Lending is a collaborative partner through the entire loan approval and closing process. Jim and his team are on top of all the tiny details required to make things go smoothly so we didn't have to be! I highly recommend Synergy...
    read more
  • Encompass
    V
    Valerie J M
    Carlsbad, CA
    Posted on June 28th, 2023 10:38 PM
    Great communication!
  • Encompass
    J
    Joel H
    San Diego, CA
    Posted on June 27th, 2023 01:33 AM
    I really enjoyed working with James because he was cool, friendly, and easy to talk to. He also communicated quickly and clearly with us despite all of our questions. His team rocked.
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    P
    Peter D C
    San Diego, CA
    Posted on June 26th, 2023 06:01 PM
    You set the stage to help me provide a level of comfort with the seller on the buyer's loan status which ultimately helped the buyer win the deal on our listing with multiple offers.
  • Encompass
    S
    Sean M W H R
    ESCONDIDO, CA
    Posted on June 25th, 2023 03:33 PM
    Working with the Synergy One team was awesome from day 1. They made the process easy with constant communication and check-ins. James and his team are rockstars – everyone I worked with was knowledgeable, informative, and friendly. Can't wait...
    read more
  • Encompass
    P
    Paul M S
    Murrieta, CA
    Posted on June 23rd, 2023 01:21 AM
    Got our dream loan for our dream home! Best possible outcome! Thanks!!!
  • Encompass
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    Jenna H
    Carlsbad, CA
    Posted on May 22nd, 2023 01:02 PM
    Thank you!
  • Encompass
    E
    Eric G
    Oceanside, CA
    Posted on May 7th, 2023 05:16 PM
    As a first time home buyer, I felt listened. Carmody team took the time to walk me through the process, answered all my questions, and set realistic expectations. Everyone I dealt with was attentive and supportive.
  • Encompass
    S
    Sean M M
    El Dorado Hills, CA
    Posted on May 5th, 2023 04:25 PM
    The Carmody team were very accessible and knowledgeable and and answered all my questions in a timely and professional way.
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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
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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