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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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Range
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5 Star
93%
4 Star
4%
3 Star
1%
2 Star
1%
1 Star
2%
Reviews from Web
  • Encompass
    M
    Marjorie W
    San Diego, CA
    Posted on October 21st, 2020 12:09 PM
    Excellent communication!
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    J
    James W
    San Diego, CA
    Posted on October 17th, 2020 04:31 PM
    Simple process with the app. Very communicative staff with a personal touch. Would highly recommend.
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    S
    Sara J
    Rancho Santa Margarita, CA
    Posted on October 17th, 2020 04:30 PM
    The app was totally unhelpful and did not reflect what I needed to provide. Communication with escrow was difficult at best. I was recently emailed a form that said my signature was required for the loan to close but I understood that this...
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    V
    Vincent T
    OCEANSIDE, CA
    Posted on October 17th, 2020 11:22 AM
    Every phase of the process seemed to take weeks or months and we were asked to repeatedly resubmit all of our documents because they were now "out of date" even though it was not our fault that you took forever to work through everything. Extremely...
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    A
    Alex A
    Oceanside, CA
    Posted on October 15th, 2020 09:56 PM
    Amazing experience, great communication and smooth transaction. Can't ask for more! I hope to work with you again soon. Thank you.
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    Courtney J
    Oceanside, CA
    Posted on October 15th, 2020 01:06 PM
    We really enjoyed working with James and his team. As first time homebuyers, we had a lot to learn throughout the process. James and the team we’re so patient answering all of our questions and we never felt rushed to get through our phone...
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    D
    Danielle J
    National City, CA
    Posted on October 15th, 2020 02:17 AM
    The Carmody team provided stellar service. Always with kindness, they patiently answered all my questions as a first time buyer. They also surpassed my expectations at meeting a very short closing timeframe. I recommend them to any buyer!
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    Shelly M
    San Diego, CA
    Posted on October 12th, 2020 02:48 PM
    the communication from James, Aaron and Krista was very much appreciated. Their responsiveness and ability to translate information into lay terms was very helpful.
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    Michael G
    SAN DIEGO, CA
    Posted on October 4th, 2020 06:49 PM
    No comment...
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    R
    Roberto V
    Escondido, CA
    Posted on October 2nd, 2020 11:46 PM
    You answered my questions, gave me advice, worked with me, helped understand, guided me through it, were patient, and willing to work with me
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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