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
Responsive and knowledgeable team
Reply from Carmody Team
March 30th, 2026 07:59 PM
It's encouraging to hear your positive feedback on the team's responsiveness and knowledge, Nathan. I'm committed to providing support and making sure your experience continues to be satisfactory. If you have any more questions or need further...
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James was extremely helpful during our home buying journey. He was able to provide us with competitive rates and made our 21 day close a breeze! Thanks, James!
Reply from Carmody Team
March 30th, 2026 04:09 PM
I appreciate you taking the time to share your positive experience, Jeremy. I'm glad to know that I could assist with competitive rates and make your 21-day closing process smooth. If you need further assistance in the future, don't hesitate...
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Everything about the process was made easy with excellent communication and rapid follow up/follow through. Really had a good experience working with the Carmody team.
Reply from Carmody Team
March 25th, 2026 01:34 PM
I'm pleased to hear that your experience with the process was seamless, Justin. I strive to ensure effective communication and timely follow-ups to make things easier for you. If there's anything more I can do for you, please feel free to reach...
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Great communication from the team, easy transaction start to finish, we appreciate the little extra gifts as an added bonus
Reply from Carmody Team
March 16th, 2026 05:09 PM
I'm glad to hear that you appreciated the communication and found the transaction smooth from start to finish, John. It's nice to know that the little extra gifts were a pleasant surprise. If there's anything else you need, feel free to reach...
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Straightforward and clear communication. Easy to use digital technology for forms/paperwork. Wonderful mobile notary.
Reply from Carmody Team
March 9th, 2026 04:43 PM
Thank you for sharing your experience, Samantha. I'm pleased that you found the communication straightforward and appreciated the ease of our digital technology. It's also great to know that the mobile notary service met your needs. If there's...
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Quick, clear communication. Prompt responses. Detailed information on the steps and what is needed at any given time. They made my life easier in obtaining my mortgage by making the process smooth.
Reply from Carmody Team
March 4th, 2026 02:51 PM
Matthew, I appreciate your feedback on the clarity and promptness of my communication. It's important to me that the mortgage process feels smooth and manageable. If you have any more questions or need further assistance, please feel free to...
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Service was friendly and professional
Reply from Carmody Team
March 2nd, 2026 04:34 PM
It's reassuring to know that you found the service both friendly and professional, Alan. I aim to provide a positive experience, so please feel free to reach out if there's anything else I can assist you with.
James is the ultimate professional and Pam was always available to assist me in overcoming any roadblocks, with timely and responsive interaction. "Peace of Mind". It's the best phrase to describe the reassuring, tenacious approach of the team...
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Reply from Carmody Team
March 2nd, 2026 09:17 PM
Michael, I'm glad to hear that my efforts, along with Pam's timely support, provided you with peace of mind throughout the loan process. It's fulfilling to know that our approach made a difference for you. Should you need assistance again in...
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James and the entire team are the utmost professionals. There knowledge and experience made financing and buying our condo a seemless endeavor. We couldn't be happier.
Reply from Carmody Team
February 18th, 2026 08:26 PM
Dean, it's great to hear that your experience was seamless when financing and purchasing your condo. I'm pleased to know that the team's professionalism and expertise met your expectations. If any further assistance is needed or if you have...
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Amazing communication , always friendly, answers all questions timely and always available , absolutely the best , James goes above and beyond and so does his team. I can honestly say it has been an easy process from start to finish . Touché...
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Reply from Carmody Team
January 30th, 2026 06:06 PM
Joseph, I am pleased to hear that the communication and support met your expectations throughout the process. It's wonderful to know that you found everything straightforward from start to finish. If there's anything else I can help you with,...
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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