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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
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    WILLIS D
    OCEANSIDE, CA
    Posted on August 23rd, 2020 02:19 PM
    James was great at the beginning but passed us off to someone else, which I know is part of business, but then we were passed off again! Started to feel like car sales, waiting for the closer?! Krista and James did really step up at the end...
    read more
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    Noah G
    La Jolla, CA
    Posted on August 20th, 2020 04:06 PM
    Great job on this one! Another happy buyer!
  • Encompass
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    Robert A
    Hollister, CA
    Posted on August 19th, 2020 06:49 AM
    Team is on the ball which made everything easy.
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    Trevin N
    Chula Vista, CA
    Posted on August 17th, 2020 09:45 PM
    James and his team do a great job working together to make the whole process easier. They are always helpful and answer the millions questions that I had. Thank you for everything!
  • Encompass
    S
    Shaylen T
    San Diego, CA
    Posted on August 16th, 2020 03:16 PM
    Pretty much everything we terrible after the first week. First off, we missed our closing date. Everything Aaron did was wrong and his communication was pretty much non-existent. He missed paperwork and info we gave him, he had typos on forms...
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  • Encompass
    M
    Michelle W
    Del Mar, CA
    Posted on August 13th, 2020 03:26 AM
    James and Krista were very responsive, and made the process very easy for us to execute our deliverables on time.
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    Nicole M
    Del Mar, CA
    Posted on August 12th, 2020 01:18 AM
    James came through with an INCREDIBLE rate for my buyers and kept me and my clients posted along the way with updates. He and his team worked hard to close the loan as quickly as possible in the midst of an insanely busy time in the real estate...
    read more
  • Encompass
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    Megan B
    SAN DIEGO, CA
    Posted on August 11th, 2020 03:06 PM
    I already talked with James about my concerns and he is addressing them.
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    Lori A
    La Jolla, CA
    Posted on August 5th, 2020 07:36 PM
    Timely, kept me updated, responded quickly, helpful, caring, smooth transaction!!!
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    Lenna D
    La Jolla, CA
    Posted on August 4th, 2020 04:09 PM
    Communication was top notch. Every transaction milestone was planned with the client and communicated to the entire transaction team of escrow, agents and clients at every step. That was very much appreciated and gave everyone a sense of ease...
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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