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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Great user dashboard. Easy to follow and keep up to date. Easy to upload files.
James and his team honored our initial interest rate.
Very helpful with credit score re-evaluation.
Reply from Carmody Team
June 10th, 2026 07:37 PM
Thank you for taking the time to write this kind review Bryan. We pride ourselves on ease, expertise, and speed. I am happy to hear this reflected upon the process! It was an absolute pleasure working with you. If you or your loved ones ever...
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The team went above & beyond to make sure everything went smoothly.
Reply from Carmody Team
June 10th, 2026 07:39 PM
Thank you for your review Lauren. I was honored to help guide you through this process. If you have any questions moving forward my team and I are always here as a resource for you.
Great communication and expedient service!
Reply from Carmody Team
May 27th, 2026 03:10 PM
I'm glad to hear that you appreciated our communication and quick service, Anastasia. If there's anything more I can assist you with, please let me know.
Very personal and your team helped seal the deal
Reply from Carmody Team
May 20th, 2026 06:16 PM
Thank you, Samuel, for your kind words. I'm pleased to hear that our team was able to provide a personal touch and assist in sealing the deal. If there's anything else you need, just let me know.
Communication was amazing!
Reply from James S. Carmody
May 6th, 2026 05:11 PM
Thank you for taking the time to write this review Anthony! It was a pleasure working with you. If there is anything I can do for you please do not hesitate to reach out. My team and I are always ready on standby!
Constant and friendly communication, and down to earth explanations while going through the process!
Reply from James S. Carmody
May 6th, 2026 05:12 PM
Thank you for your kind review Kari. It was an honor and a pleasure guiding you through this process. Please don't hesitate to reach out to my team and I if there is anything we can do for you and your loved one's moving forward.
The carmody team provided a great experience and made the process of getting my loan effortless.
Reply from Carmody Team
April 15th, 2026 03:37 PM
I'm grateful for your kind words, Al. It's nice to know that the Carmody Team made your loan process effortless. If there's anything else you need, just let me know.
James was fantastic throughout the process and didn't pressure me on anything. Provided great information & made me feel comfortable. Pam was wonderful too - thanks for taking my 5+ calls to help me understand what was happening! coudlnt recommend...
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Reply from Carmody Team
April 3rd, 2026 04:43 PM
I'm pleased to know that you had a positive experience working with James and Pam. It's important to me that you felt comfortable and well-informed throughout the process. If you have any questions or need further assistance, feel free to reach...
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James was great to work with. He was communicative, calm and patient. During closing there was never a moment that he was not available or I felt was delinquent in meeting any deadlines.
Reply from Carmody Team
April 2nd, 2026 03:47 PM
I'm glad to hear that your experience working with James was positive, Clark. It's important to me to ensure effective communication and support throughout the closing process. If you have any further questions or need assistance moving forward,...
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Thank you for a stress free transaction
Reply from James S. Carmody
May 6th, 2026 05:14 PM
Thank you for your review, Tami! This means the world to me, making my agents lives easier is one of my main goals in my business. If there is anything I can do for you moving forward, please don't hesitate to reach out. I am honored to be...
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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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• https://www.nmlsconsumeraccess.org/Enti-tyDetails.aspx/COMPANY/1907235