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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

Mission Valley
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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
Mortgage
Mortgage Loan Officer
Company Logo
Contact Info
(858) 525-3086
San Diego, CA
https://s1l.com/loanofficer/jamescarmody/
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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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
    R
    Robert J A
    San Diego, CA
    Posted on December 13th, 2025 06:27 PM
    Very responsive team lead by James Carmody that delivers on all levels to closing.
  • Encompass
    D
    Dolendro N
    SAN DIEGO, CA
    Posted on December 12th, 2025 04:05 PM
    5 stars 🌟🌟🌟🌟🌟
  • Encompass
    J
    Jina H N
    SAN DIEGO, CA
    Posted on December 9th, 2025 08:11 PM
    EXCELLENT communication , proactiveness & fast turn around by James & his team!! Highly recommended 🌟🌟🌟🌟🌟
  • Encompass
    S
    Shelly M M
    Lancaster, CA
    Posted on December 2nd, 2025 06:25 PM
    The personal attention Feeling understood great communication the app is very helpful
  • Encompass
    A
    Aron D P
    SAN DIEGO, CA
    Posted on November 26th, 2025 04:34 PM
    The process seemed efficient and honest. Happy with the result, too.
  • Encompass
    A
    ADdie J
    SAN DIEGO, CA
    Posted on November 26th, 2025 04:05 PM
    Great work guys!
  • Encompass
    C
    Carlos A
    SAN DIEGO, CA
    Posted on November 21st, 2025 04:08 PM
    Synergy One Lending made my entire loan process smooth and stress-free. James and his team were extremely responsive, clear, and organized from start to finish. They explained every step, handled all underwriting items quickly, and kept me...
    read more
  • Encompass
    L
    Lorenzo F
    San Diego, CA
    Posted on October 25th, 2025 06:05 PM
    Great people
  • Encompass
    J
    Johnny N
    SAN DIEGO, CA
    Posted on October 9th, 2025 08:22 PM
    Everything
  • Encompass
    D
    David J L
    SAN DIEGO, CA
    Posted on October 9th, 2025 03:07 PM
    First time homebuyers, they were great about answering a myriad of questions about the process and what to expect.
    Reply from James S. Carmody
    October 9th, 2025 04:04 PM
    Thank you David! It was an honor to help guide you through this process. I love educating first time homebuyers, it is truly one of my favorite aspects of my job. If you have any questions or need anything moving forward, I am always a phone...
    read more
    • 51–60 of 629
    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