Leave Behind - James

Synergy One Lending

WHAT WE’RE MADE OF Synergy One Lending was built around a few simple Building Blocks: Transparency and education are the cornerstones of our organization. We conduct ourselves in a manner that places our clients' interests above our own while providing a process that is precise and consistent. We only hire people who embody our Core Values, and we equip them with the best products and systems to execute at the highest level.

Hiring the best talent means we strive to set the bar in everything we do. Our hiring process uniquely includes reputational and background checks and a stringent interview process. High expectations create a continual cultivationof excellence in our team members, which means an incredible experience for you.

Our Core Values shape our culture, and their execution is mastered daily by our TEAM. Alignment of interests is a critical but often overlooked component of successfully managing a growing enterprise. Our goal is to consistently serve the needs of our constituents, including our borrowers and referring partners, so everything we do rewards that specific outcome. Synergy One accomplishes this through a strategic ownership program, servant leadership, and constant collaboration with our employees, community, and customers. We turn your feedback in to immediate change for the better.

W H AT W E VA LU E We don't just talk about values. We live by them.

[IN-TEG-RI-TEE] I NTEGRI T Y

adherence to moral and ethical principles; soundness of moral character; honesty.

[ LO I - U H L - T E E ] LOYA LT Y

the state or quality of being loyal; faithfulness to commitments or obligations.

[DIL-I-JUH NS] DI LI GENC E/ WO RK E THI C

constant and earnest effort to accomplish what is undertaken.

[ K U H M - PA S H - U H N ] CO M PA S S I O N

a feeling of deep sympathy, accompanied by a strong desire to alleviate suffering.

Our Core Values serve as our team's moral compass, personally and professionally, setting us apart from our peers.

Ask about us around town. Work with us. Do life with us.

JAMES CARMODY NMLS #308051

James grew up in a fishing community south of Boston, MA. After high school, he worked with urban youth through a non-profit organization, City Year. He went on to get a Jesuit education at Fairfield University, playing rugby and studying business. In 2003 he relocated to San Diego and was immediately drawn to the community. James enjoys an active lifestyle, playing golf, swimming, skiing, and spending time with his wife, family, and friends.

Education B.S. Relationship Marketing, Charles F. Dolan School of Business, Fairfield University, Fairfield, CT

James Carmody has a proven track record of helping his clients achieve their dreams. He has personally helped over 1,000 families purchase and refinance properties since joining the industry in 2003. Prior to becoming a mortgage banker, he had a lot of success as a mortgage broker and manager. He successfully grew a company from four employees to over fifty in three short months with over 100 million in production. As a mortgage advisor, James is committed to taking a hands-on approach with his clients. He applies the perspective that “a home is your biggest investment and needs to be part of a comprehensive plan. My goal is to empower clients through education.�

WHY JAMES CARMODY? 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. They use industry leading tools to share with their 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. This flexibility allows James to help local families find the right program for their ever changing needs. James is truly passionate about guiding his clients through a seamless mortgage process, and as a result nearly 100% of his business is by referral from satisfied clients and dedicated real estate professionals.

James can be reached at 858.525.3086 or jcarmody@s1lending.com

BUYING OR I WANT TO BUY A HOME THAT MAY NEED A FACE LIFT.

I’M 62 AND NO LONGER WANT A MORTGAGE PAYMENT.

I WANT TO MAKE SURE MY RATE DOESN’T EVER CHANGE.

FHA 203K

REVERSE MORTGAGE

FIXED RATE

I HAVE BIG GOALS AND NEED A BIG LOAN.

(JUMBO)

I NEED SOME BREATHING ROOM. HOW ABOUT A RURAL AREA?

USDA

I HAVE A SHORTER TIME FRAME IN MIND.

ARMS

REFINANCING? THIS IS MY FIRST HOME.

FIRST TIME HOMEBUYER ASSISTANCE

I DON’T HAVE A LOT OF MONEY FOR A DOWN PAYMENT.

I RISKED MY LIFE FOR THIS GREAT COUNTRY.

FHA

VA

I’D LIKE A LOWER MONTHLY PAYMENT.

I WANT TO PULL SOME CASH OUT OF MY PROPERTY.

FHA OR VA

CASH OUT REFI

I DON’T KNOW IF MY HOME WILL APPRAISE HIGH ENOUGH.

HARP

Contact Us if you’re interested in our referral partner networking events, home buyer education workshops, or VA benefit information.

CONTACT INFO: 3131 CAMINO DEL RIO N. SUITE 190 | SAN DIEGO, CA 92108 | P: 858.525.3086

HOW WE WORK Meet your new best friends....

Your Synergy One Lending team! Have a conversation with your loan officer about your goals to establish expectations, assess credit, and check out financing options.

APPR AIS AL

PROCE S S ING

Here, we work with a professional team of local appraisers to have a good look at the value of your investment, your home.

We'll need your help collecting documentation such as Pay Stubs, Bank Statements, W-2s, and Employment History so we can have your loan underwritten quickly

and prevent any last minute rushing and stress.

A P P L IC ATIO N

D I SCLOSURES

We'll talk about your needs up front and gather as much information as possible to get a head start on your refinance or purchase.

You will receive, acknowledge, and return to your Loan Officer a disclosure package which explains your loan product and costs.

U N D ERWR ITING Since we hire only the best, you can be sure we will treat your file with love and attentive care throughout this very important part of your transaction. We will satisfy any remaining conditions to your final approval as quickly as possible to get you to the closing table.

CLEA R TO CLOS E Time for a happy dance. We are now ready to get you to the closing table by preparing your final loan documents.

Thanks to our awesome teamwork, you will have a smooth and exciting closing experience.

Celebrate!

When you're happy, we're happy.

Congratulations on a successful transaction.

Your loan is funded. Here's to our new and lasting partnership!

“

YOUR BUSINESS IS OUR BUSINESS! Our marketing platform was created to make our originators and their friends in business stand out from the crowd. We offer video production, social media power, and a CRM marketing program designed to provide the resources and platforms you need to build your business.

V I D E O ME SS AG I N G

VIDEO MESSAGING should no longer be just an option, but rather a critical tool in your arsenal necessary to keep you relevant in our ever-changing market. Synergy One’s in-house video production department can create individualized videos for builders, real estate agents, and strategic business partners that may be repurposed for any emerging need! Our studio is powered by an incredible team utilizing a state of the art space and the latest technology, insuring consistent quality and brand differentiation for YOU in the market.

DOCUMENT CHECKLIST:

1

A complete Residential Loan Application

4

Last 2 years’ Federal Tax Returns (1040 forms), all schedules

2

FOR ALL PROPERTIES OWNED:

3

Last 2 years W-2s, and/or 1099s, where applicable

One month’s pay stubs, last 3

5

6

Last 2 years’ Federal Business Tax Returns, if applicable.

If retired, current benefits letter and proof of 3 years’ continuance

2 Months’ recent asset statements (checking, savings, stocks, IRA, 401K, etc.)

All pages are required even if blank

7

Copy of your most recent mortgage statement

8

Copy of your property tax bill and homeowners’ insurance statement

9

If you have an HOA, copy of the most recent statement

W W W.S1LENDING.COM Synergy One Lending Inc. NMLS 1025894. 3131 Camino Del Rio N 190, San Diego, CA 92108. Alabama Consumer Credit License #22123; Department of Financial Institutions - Arizona Mortgage Banker License 0926603; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act – California License 4131356; Licensed by the Connecticut Consumer Credit Division - Mortgage Lender License ML-1025894; Regulated by the Colorado Division of Real Estate, Colorado Mortgage Company Registration 1025894; Delaware Licensed Lender #020926; District of Columbia Mortgage Dual Authority License MLB1025894; Florida Mortgage Lender License MLD1079; Georgia Residential Mortgage Licensee. Georgia Mortgage Lender License #46648; Hawaii Mortgage Loan Originator Company License #HI-1025894. Idaho Mortgage Broker/Lender License MBL-8537; Illinois Residential Mortgage Licensee #MB.6761115; Licensed by Indiana Department of Financial Institutions - First Lien Mortgage Lending License 27156; Iowa Division of Banking - Mortgage Banker License 2015-0038; Kansas Licensed Mortgage Company License #MC.0025258; Kentucky Mortgage Company License #MC327694; Louisiana Residential Mortgage Lending License #1025894; Maine Supervised Lender License 1025894; Maryland Commissioner of Financial Regulation - Mortgage Lender License 21678; Michigan 1st Mortgage Broker/Lender License FL0019960; Minnesota Residential Mortgage Originator License #MN-MO-1025894; Licensed by the Mississippi Department of Banking and Consumer Finance. Mississippi Mortgage Lender License #1025894;Montana Mortgage Lender License 1025894; Montana Mortgage Broker License 1025894; Nebraska Mortgage Banker License 1025894; Nevada Mortgage Broker License 4317. Licensed by the New Hampshire Banking Department 19926-MB; Licensed by the New Jersey Banking and Insurance Department – New Jersey Residential Mortgage Lender License 1025894; New Mexico Mortgage Loan Company License 1025894; Licensed by the North Carolina Commission of Banks office – North Carolina Mortgage Lender License L-164411; Ohio Mortgage Broker Act Mortgage Banker Exemption MBMB.850248.000; Oklahoma Mortgage Lender license #ML010730; Oregon Mortgage Lending License ML- 5208; Pennsylvania Department of Banking and Securities License 49997; Rhode Island Lender License 20163229LL; Rhode Island Loan Broker License 20163230LB; South Carolina- Board of Financial Institutions Mortgage Lender / Servicer License MLS-1025894; Tennessee Mortgage License #125659; Texas Mortgage Banker Registration 1025894; Utah DRE Mortgage Entity License 8954729; Vermont Lender License 6891. Virginia Mortgage Broker and Lender Licensee, NMLS ID 1025894; Washington Consumer Loan Company License CL-1025894; Wisconsin Mortgage Lender License #1025894BA; Wyoming Mortgage Lender/Broker License 2677. (877) 978-1922.