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
Open communication and very responsive.
Reply from James S. Carmody
October 8th, 2025 06:06 PM
Thank you for your feedback, John. I deeply appreciate you taking the time to write us a review. It was a pleasure and honor to guide you this process. Congratulations on your new property! If there is anything my team and I can do for you...
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It was simple
no fuss
Reply from Carmody Team
October 8th, 2025 06:15 PM
Thank you for your review Andy. It was an honor to assist you through this process. If you have any questions or concerns moving forward we are always here to help!
James and his team made the whole process smooth and stress-free. I felt like they were in my corner the entire time. I’m so thankful for how easy they made everything
Reply from James S. Carmody
October 3rd, 2025 05:46 PM
Thank you for your kind review Darin. I am glad we were able to get you great terms in today's volatile market. Congratulations on your new home! If we can do anything for you or your loved ones moving forward, we would be honored to be of...
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James was great!!!
Reply from James S. Carmody
October 3rd, 2025 05:46 PM
Thank you Carlos! It was an absolute pleasure guiding you through this process. If you have any questions moving forward, I am always a phone call away.
Responsiveness to questions, timeliness of action items and keeping us on track.
Reply from James S. Carmody
September 25th, 2025 06:11 PM
Thank you for taking the time to write this kind review Natalie. It was an honor to help guide you through this process. Congratulations on your new home! If there is anything my team and I can do moving forward for you and your loved ones...
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Thank you James, Aaron, and all who have helped us with purchase of our new home!
Reply from Carmody Team
September 25th, 2025 06:13 PM
Thank you for putting your trust in me and my team David! It was an honor to help guide you through this process. Congratulations on your new home. If there is anything we can do for you and your loved ones moving forward we are happy to be...
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Saved the deal twice with direct communication
Reply from James S. Carmody
September 15th, 2025 05:23 PM
Thank you for taking the time to write this kind review Celeste! It is always a pleasure working with you.
James and his Synergy One Lending team (Pam and Aaron) were outstanding in their execution of securing my home loan within an accelerated escrow timeframe. James provided valuable market guidance and competitive rates. His personable and professional...
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Reply from James S. Carmody
September 15th, 2025 05:28 PM
Thank you for taking the time to write this wonderful review Kathy! It was an absolute pleasure guiding you through the process. My favorite aspect of my job is coaching my clients on the mortgage process and making sure you are crystal clear...
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Communication was great. I think the agent could work on communication. It was not clear how much time was going to be needed to extend loan contingency. Lending communication was on point from preapp to end.
Reply from James S. Carmody
September 15th, 2025 05:27 PM
Thank you for taking the time to write this wonderful review Kathy! It was an absolute pleasure guiding you through the process. I am always here as a resource for you and your loved one's moving forward. 😊
The team was so attentive and communicative about everything. You guys handled business so well I feel like I didnt really do much besides put a down payment. Love you guys. Thank you for all the hard work and helping us close
Reply from James S. Carmody
July 16th, 2025 07:52 PM
Thank you so much for your kind review, Steffen. It was an honor to walk you through this exciting process. My team and I are always here to help you with whatever you may need!
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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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