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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
View All days
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
    K
    Kelley S
    Vista, CA
    Posted on April 13th, 2023 09:24 PM
    James is easy to talk to, approachable and friendly. We enjoyed working with him
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    Jeanne C
    San Diego, CA
    Posted on April 12th, 2023 07:29 PM
    Friendly and helpful via text to explain things that needed to be submitted
  • Encompass
    M
    Michael S
    Vista, CA
    Posted on April 10th, 2023 04:21 PM
    The experience was fantastic.
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    K
    Karen E
    San Diego, CA
    Posted on April 7th, 2023 08:26 PM
    Responded to my questions and concerns in a very timely manner.
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    B
    Brent C
    Murrieta, California
    Posted on March 24th, 2023 10:59 PM
    James and team did a great job, would recommend them to anyone!
  • Encompass
    B
    Bryan A G
    Chula Vista, CA
    Posted on March 20th, 2023 06:37 AM
    James was very helpful and knowledgeable. He was very patient with me as a first time home buyer and anytime I didn’t understand something he took the time to explain it to me in a way that I could understand. He truly is good at his job and...
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  • Encompass
    C
    Clint C
    Escondido, CA
    Posted on March 13th, 2023 05:30 PM
    It has been more than a decade since I last purchased a home, so I really appreciated that you explained/taught us what everything was during the process. I also really liked having access to Mortgage Coach to see the how different rates, down...
    read more
  • Encompass
    S
    Sean S
    Lakeside, CA
    Posted on March 12th, 2023 01:48 PM
    The personable experience was amazing. Everything from start to finish was easy to follow and if it wasn’t, we asked and they throughly explained it til we understood.
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    A
    Amanda S
    Lakeside, CA
    Posted on March 6th, 2023 02:48 PM
    From the first meeting through closing, the team was communicative, helpful, and organized. What could have been an overwhelming process was clear and straightforward. Questions were answered in a timely manner and every person we met genuinely...
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  • Encompass
    B
    Brianne C
    Escondido, CA
    Posted on March 6th, 2023 03:39 AM
    James and his team were super helpful walking us through the process of getting a loan to buy our first home. James explained everything so well in our first meeting and he and the team were always very quick to respond to our questions, every...
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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