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Profile picture for James Carmody

James Carmody


Vice President (11 years experience)

Purchase Loan,
Home Equity,
Mortgage Planning

Add personality to your profile! Tell the community about yourself, your home, and your profession.

Synergy One Lending is an online direct lending company offering mortgage loans.

Synergy One Lending stands out as a mortgage direct lender by implementing advanced technology to create a single-fee loan structure at This simple online tool makes the loan process much easier and more efficient for borrowers.

Synergy One Lending's unique platform offers upfront, guaranteed low rates without any hidden costs or commitment from you. We will price loans for you within seconds without the need for any of your personal information. Our quotes are in real-time with a guaranteed fee, unlike traditional lenders.

We keep our fees low by originating loans online through a single location. Our secure, no-surprises lending solutions allow clients to coordinate their financing safely and efficiently. As a direct lending agency, Synergy One Lending offers you more control over your loan process than with a traditional broker or bank. You will experience much lower fees, while enjoying the benefit of our knowledgeable customer service.


Recent reviews


07/20/2014 - pags3388
Closed purchase loan. La Mesa, CA

James and his team did a remarkable job with our recent home loan. They educated us on the options we had available and provided sound advice on which may work best. From there, the follow up and execution was excellent. Buying a home is stressful process, I am very glad we had James and his team to help us through it.

Thank You!!

Keith and Quinn
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07/11/2014 - Lendoga12
Closed purchase loan.

I have used James for two mortages so far and I will continue to work with him on future purchases. His knowledge of the industry and his professionalism make the uneasy situation of signing mortgages a breeze!!

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Response from James



06/02/2014 - zuser20140602152124806
Closed purchase loan.

Synergy One Lending came highly recommended by multiple sources so I decided to setup an initial consultation. James spent more than our allotted meeting time not only reviewing mortgage finance options but also how they would tie into my long and short term financial goals. As a first time home buyer, I came away from the consultation with a clear understanding of my options and what to expect for the next steps in the process.

They maintained the an excellent level of professionalism, knowledgeable communication, and responsiveness over the course of our two year house hunt and into closing. Whether I was speaking with James or any of the rock stars on staff, they always went the extra mile to ensure that I was clear and comfortable with the details on one of the biggest financial decisions of my life.

Thank you Synergy One and I look forward to maintaining our partnership for future financial guidance.
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