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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
  • Encompass
    M
    Megan B
    San Diego, CA
    Posted on November 8th, 2020 09:20 PM
    James was fantastic! He communicated every step of the way ans always promptly returned my calls when I had questions. He moved mountains when necessary and made me feel like our deal was his #1 priority. I highly recommend James and his team....
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    Fredericka G
    San Diego, CA
    Posted on November 7th, 2020 10:07 PM
    🙂
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    Carole A
    La Mesa, CA
    Posted on November 6th, 2020 11:47 PM
    Extremely helpful every step of the way. The mist painless refinance ever!
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    Anthony N
    San Diego, CA
    Posted on November 3rd, 2020 03:52 PM
    You saved me $$$$ on my mortgage!
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    Jennifer R
    San Diego, CA
    Posted on November 2nd, 2020 06:06 PM
    I would have liked to have been told up front who all I would be dealing with on the whole refi. Also I was told the the fee was $2700 and on the actual doc it came to $2775. I almost was about to back out because many of the numbers I was...
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    I
    Ilana H
    San Diego, CA
    Posted on October 29th, 2020 05:38 PM
    Awesome experience closing 1 day early on a 25 day escrow with a VA loan. Thank you James, Krista and team!
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    K
    Kyla P
    San Diego, CA
    Posted on October 28th, 2020 07:04 PM
    Open communication with all parties, honesty and integrity
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    David F
    Lakeside, CA
    Posted on October 24th, 2020 11:44 PM
    Krista was good on getting back to me when I needed a question answered. Everyone I worked with was Great! Thanks Sandee
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    Ha V
    San Diego, CA
    Posted on October 23rd, 2020 03:18 PM
    James was a great help in getting us a last minute pre approval while he was on vacation. He was flexible and work with us on the loan terms. At times during the loan process, we could not reach him directly on occasions. However, his team...
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    E
    Eric G
    Vista, CA
    Posted on October 22nd, 2020 01:57 AM
    James, Krista, Aaron and the whole team are far and away the best there is! They establish a great level of communication to help you understand the process, timelines, answer questions and keep everything running smooth. I’m grateful to have...
    read more
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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 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