The Carmody Team - Synergy One Lending

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San Diego, CA
The Carmody Team - Synergy One Lending

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James S. Carmody NMLS # 308051

Synergy One Lending NMLS # 1907235

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https://loans.s1l.com/on-the-house-home/

10/30/2026

5.0 star review received on Experience.com for Carmody Team by Karen L K - We had a great experience with the Carmody team, very professional, knowledgeable and patient.
i would highly recommend the Carmody team!

Read more: https://experience.com/reviews/james-carmody/44bfddfb-152f-43cc-9aa1-5bb806c8fbcb?V=1793325111&utm_source=facebook&utm_medium=autopost&utm_content=13793545

10/18/2026

5.0 star review received on Experience.com for Carmody Team by Tammy C - Clear quick communication. I had a short close and needed things in a timely manner.

Read more: https://experience.com/reviews/james-carmody/9b24b2ec-c734-460b-ac1c-7f7543e4d7aa?V=1792348264&utm_source=facebook&utm_medium=autopost&utm_content=13760838

10/18/2026

5.0 star review received on Experience.com for Carmody Team by Veronica T - Everyone was so helpful, patient, and professional throughout the entire process. I truly appreciated the time taken to answer all of my questions and ensure that I understood everything. The level of customer service I received was outstanding, and every interaction was positive and pleasant. Thank you for going above and beyond to provide such excellent support. It made a great impression, and I am very grateful for the exceptional service!

Read more: https://experience.com/reviews/james-carmody/31763fb1-92ab-40cf-acc7-b1ab8eccabbc?V=1792341103&utm_source=facebook&utm_medium=autopost&utm_content=13760588

10/13/2026

5.0 star review received on Experience.com for Carmody Team by Deborah G - James Carmody and his team are great lenders! They were extremely responsive, highly knowledgeable, and made the entire process smooth and seamless.

Read more: https://experience.com/reviews/james-carmody/9f98902e-42ce-4298-aa09-284723ce2648?V=1791910721&utm_source=facebook&utm_medium=autopost&utm_content=13744544

10/12/2026

4.5 star review received on Experience.com for Carmody Team by Andrew J B - Intro meeting to explain the process. Good communication by email.

Read more: https://experience.com/reviews/james-carmody/7ac6e92a-b604-4b16-a5a5-b41764dd3c7b?V=1791829589&utm_source=facebook&utm_medium=autopost&utm_content=13743468

10/09/2026

5.0 star review received on Experience.com for Carmody Team by Nathan L H - Working with James and the Carmondy team was fantastic. As new home buyers, we knew less than nothing, and James took the time to educate us and walk us through every step!

We couldn't have felt more secure in the process and we'd recommend the Carmondy team to anyone!

Read more: https://experience.com/reviews/james-carmody/e3c25ffd-26db-42aa-a7d2-1987788f6796?V=1791583519&utm_source=facebook&utm_medium=autopost&utm_content=13732244

10/02/2026

4.66 star review received on Experience.com for Carmody Team by Maryellen R - Your team worked vey hard and fast for my loan! Thank you.

Read more: https://experience.com/reviews/james-carmody/95ae0e8d-0547-479f-affa-32822b94c80b?V=1790960996&utm_source=facebook&utm_medium=autopost&utm_content=13707966

10/01/2026

5.0 star review received on Experience.com for Carmody Team by Colleen C - My buyers were initially working with another lender, but neither the transaction nor the lender was on track to meet the contract timeline. I recommended the Carmody Team, and they delivered. Despite a 14-day escrow, the buyers were thrilled with the consistent daily updates and communication. I was especially impressed by the Carmody Team’s professionalism, efficiency, and commitment throughout the process.

Thank you,

Colleen Coen
Realtor® Dre # 01208277
888 Prospect St., Suite 140
La Jolla, CA 92037
Coldwell Banker Realty
D: 619.204.3788
M: [email protected]
📷

Read more: https://experience.com/reviews/james-carmody/d5959bd0-85dc-49f1-a2ed-29fe93a5c601?V=1790879825&utm_source=facebook&utm_medium=autopost&utm_content=13703656

10/01/2026

5.0 star review received on Experience.com for Carmody Team by Michelle S - James and his team was on top of every aspect of the loan process to both my client and myself. His communication was wonderful and always timely. He was excellent explaining my first time VA buyer the process of obtaining a loan and guiding her through the process to a successful closing .

Read more: https://experience.com/reviews/james-carmody/df5d9be5-de27-4777-a2c7-dededf8dfe41?V=1790872629&utm_source=facebook&utm_medium=autopost&utm_content=13703489

09/16/2026

5.0 star review received on Experience.com for Carmody Team by Mindy L - James, Pam, and Aaron consistently deliver a 5-star experience from start to finish. I truly love our partnership—together, we make our clients feel comfortable, confident, and well taken care of throughout every step of the home-buying process. It’s such a pleasure working alongside a team that puts the client experience first!

Read more: https://experience.com/reviews/james-carmody/737163eb-d153-41ed-8244-82e527b11054?V=1789586186&utm_source=facebook&utm_medium=autopost&utm_content=13648670

Address

610 W. Ash Street Suite 1505
San Diego, CA
92101

Telephone

+18585253086

Website

http://jamescarmody.s1l.com/

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