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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
    J
    Jamison C
    San Diego, CA
    Posted on August 3rd, 2020 06:40 PM
    The refinancing process was good, fast and efficient.
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    Donald B
    Spring Valley, CA
    Posted on August 3rd, 2020 03:22 PM
    Synergy One Lending and all its associates, especially Michael Cooper, are outstanding. They take the time to explain the processes and follow-up with answers on any questions we had about what lay ahead. I would strongly recommend Michael...
    read more
  • Encompass
    A
    Allison L
    SAN DIEGO, CA
    Posted on July 30th, 2020 02:18 AM
    James and his team were amazing! Regular communication and accessible whenever we needed a question answered or clarification, super supportive and always friendly and professional. We will use them in the future, and will recommend to everyone....
    read more
  • Encompass
    D
    Donald B
    Spring Valley, CA
    Posted on July 29th, 2020 05:06 PM
    We were customers of Synergy One and Mr. Carmody as we bought our first house from him. This is a very honest, reliable, friendly company and I would recommend them to anyone for mortgage loans.
  • Encompass
    T
    Trent S
    SAN DIEGO, CA
    Posted on July 28th, 2020 05:19 PM
    James and his team were awesome! They helped us in so many ways, we highly recommend them.
  • Encompass
    B
    Bradley T
    Torrance, CA
    Posted on July 25th, 2020 03:11 PM
    Aaron and Krista were your employees I dealt with for three refinances. Both were very professional and attended to all my questions and needs right away. Aaron and Krista made me feel like family.Thanks for a great experience!Brad Wilson
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  • Encompass
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    Hannah P
    SAN DIEGO, CA
    Posted on July 23rd, 2020 05:08 PM
    As a first time home buyer, James Carmody made the entire experience seamless. He carefully worked with me through each step and provided me with great support and guidance.
  • Encompass
    D
    Dale J
    Encinitas, CA
    Posted on July 12th, 2020 10:44 AM
    My realtor Janes Hardy relationship with you.
  • agent
    K
    Keerthi K
    Posted on June 21st, 2020 07:28 PM
    James, Aaron and Krista walked us through every step of the process with total transparency. The communication and speed were simply amazing. I would happily recommend James, Aaron and Krista to anyone. I intend to refinance in a few years...
    read more
  • Encompass
    W
    WIlliam R
    San Diego, CA
    Posted on June 12th, 2020 08:19 PM
    I was unable to bring up the coupon and make a copy of it for our first payment. Please advise.
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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