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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
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
  • Zillow
    E
    Elliepup2003
    Encinitas, CA
    Posted on June 1st, 2021 12:00 AM
    extremely friendly, knowledgeable, helpful, timely/efficient, communicative, customer-focused & all-around amazing team!!! thanks SO much for everything!! you guys made the loan process (my 3rd) unbelievably smooth!!! i was also really impressed...
    read more
  • Encompass
    E
    Ernest R
    SAN DIEGO, CA
    Posted on May 19th, 2021 07:04 PM
    James helped me close on my very first property and I am glad that he was the person to do so. From the beginning he was extremely friendly and informative. He clearly outlined what to expect and the timeline to get the deal closed on time....
    read more
  • Encompass
    M
    Matthew S
    San Diego, CA
    Posted on May 19th, 2021 05:51 AM
    James and his team were super helpful for us as first time homebuyers, patiently guiding us through the process. When we would decide to place an offer, they were on top of things, expedient, and went above and beyond to strengthen our offer...
    read more
  • Encompass
    Y
    Yuan L
    San Diego, CA
    Posted on May 18th, 2021 12:49 AM
    The Carmody Team did a great job in closing my loan quickly with efficient commutations.
  • agent
    T
    TJ S
    Posted on May 17th, 2021 11:09 PM
    James was super knowledgeable, but my favorite part was he was not pushy. He listened carefully, provided great advice, and most importantly was timely and super responsive! Thank you!
  • Encompass
    A
    Antoinette E
    San Diego, CA
    Posted on May 13th, 2021 06:43 PM
    James and his team are great. They communicate consistently and clearly. The one little bump we encountered was smoothed over promptly.
  • Encompass
    N
    No A
    Chula Vista, CA
    Posted on May 8th, 2021 02:58 PM
    closing costs and rate.
  • Encompass
    C
    Christopher H
    San Diego, CA
    Posted on May 7th, 2021 04:19 PM
    Communication was very open and often.
  • Encompass
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    Hubert C
    Playa Del Rey, CA
    Posted on May 4th, 2021 06:08 AM
    Aaron, James, Nanette and team did an incredible job! We have already sent two LA referrals and will be sending more whenever someone is looking to purchase or refi, thx!
  • Encompass
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    Peter P
    Escondido, CA
    Posted on April 17th, 2021 05:53 AM
    James and his team are great!
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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