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
James helped me with the loan for my first home purchase and then the refinancing of that loan also. I couldn't haven been happier with the experience I received from James and his team. He was always fast at responding to my questions and...
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Had a great experience with James (and crew) at Synergy One Lending (referred from a friend at work). This was our first refinance, so we're still new at all this. Since I'm a veteran (with a VA loan), and my original loan was with military...
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I was referred to James by my agent in San Diego after my original broker was unable to assist with the type of loan I needed. James and his team quickly proved to be professional, knowledgeable and flexible. I was able to close quickly with...
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James and his team at SynergyOne have been great - very helpful with navigating the underwriting maze to get our loan funded! We will be using them in the future to look at a tune-up of our existing loan.
James is hands down the professional you want managing your mortgage needs. Outstanding and timely communication, ensures your needs and expectations are met, the closer you want when you need him. Not only did we trust him with out VA loan...
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James was available anytime for me to help me navigate buying my first home. He knew my realtor, and they worked together to get me across the finish line in one piece! There was always someone to answer my questions and walk me through the...
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Very helpful in setting up loan agreements and closing on the first home. The whole process went smooth. He answered all my questions and concerns. He sends me updates about what my current loan rate is and if refinancing is a good time depending...
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James and his team helped me get financing on my purchase of an owner occupied second home in San Diego. They helped me evaluate different mortgage options and, when selected, found a lender who offered the product I was looking for at a great...
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I've used James as a lender 3 separate times. Twice for a home equity loan and once for a home purchase loan. He always gives top notch service. He followed up often and kept me updated all along the way. In an ever changing lending environment,...
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My wife & I had a pleasant experience doing business with James. He was very helpful & knowledgeable in answering all of our questions. We are now abe to save money on our monthly mortgage payment. Thank you James for the successful transaction...
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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