James Bell
Branch Manager | NMLS# 455846
Let’s make your homeownership goals a reality—together.
At Capital Bank Home Loans, we’re here to make your financing experience smoother and more confident from start to finish. We take the time to understand what you need, talk through yo... Show More
Location & Business Hours
Business Hours
Thu
8:30 AM to 7 PM
Fri
8:30 AM to 7 PM
Sat
10 AM to 5 PM
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Reviews from Web
Everyone kept in contact with each other very well
Reply from James Bell
October 22nd, 2026 05:09 PM
I'm glad to hear that the communication went smoothly, Shahn. At Capital Bank Home Loans, we strive to maintain clear and effective contact throughout the process. Thank you for sharing your positive experience! I will be watching for opportunities...
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From beginning to end the process will f doing a VA Refinance for a better rate was smooth and easy.
James and team where great. However, you may consider a differnet signing agent. As the one assigned was 50 mintutes late and we had to be contacted as he missed a signature on one of the documents.
Reply from James Bell
July 15th, 2026 02:37 PM
I'm grateful for your feedback, William. I'm glad to hear that you found my team and I to be great. I apologize for the inconvenience caused by the signing agent's delay and the oversight with the documents.
I greatly appreciate the assistance throughout the process. Great job helping me problem solve and getting through the challenging closing that I we experienced. I'd recommend having a referrel benefit program. I did have recommend a coworker...
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Reply from James Bell
July 15th, 2026 01:45 PM
Jeffrey, I'm grateful for your appreciation and glad that I could assist you through the challenging closing. Your feedback about a referral benefit program is valuable, and I'll pass it along to the team. Thank you for recommending us to your...
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We got 2 refi's done at once. it was pretty painless . Thank you
Reply from James Bell
June 1st, 2026 11:50 AM
I'm glad to hear that you had a smooth experience with the refinancing process, Andrew. Thank you for trusting Mark and I with both of your refinances at Capital Bank Home Loans. If there's anything else you need, feel free to reach out. We...
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With all the hurdles that can arise throughout the refinance process, Jim was always there to quickly resolve any issues and answer all of my questions. I truly appreciate the above-and-beyond effort that Jim and his team demonstrated to successfully...
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Reply from James Bell
May 12th, 2026 11:36 AM
I'm grateful, Kenneth, for your kind words about my efforts during your refinance process. It's great to know that I could help resolve any issues and answer your questions along the way. Your appreciation for my team's dedication means a lot,...
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James did a great job throughout the process. Will definitely look to work together again in the future!
Reply from James Bell
May 12th, 2026 11:36 AM
I'm glad to hear that you had a great experience, David. I look forward to the opportunity to work together again in the future!
James and Mark are the best!
Reply from James Bell
January 30th, 2026 03:30 PM
Both Mark and I appreciate your kind words, Peter. It's great to hear that you had such a positive experience. If there's anything more you need, feel free to reach out. Thank you for taking the time to share your thoughts and for choosing...
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Ease of uploading documents, personalized service. Mark and James were amazing to work with and went above and beyond to get our mortgage closed on time.
Reply from James Bell
November 26th, 2025 04:07 PM
I'm glad to know that you appreciated the personalized service and the ease of uploading documents, Joel. It was a pleasure working with you and ensuring your mortgage closed on time. Mark and I are committed to providing a seamless experience,...
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The Capital Bank Home Loans team provided such a quick, seamless, and personalized loan application and closing process, and were always available to answer any questions I had.
Reply from James Bell
October 10th, 2025 12:46 PM
I'm glad to hear that your experience with Capital Bank Home Loans was quick and seamless, Jwoyal. Knowing that the team was always available to assist with any questions reassures me that we’re meeting our commitment to personalized service....
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About
Let’s make your homeownership goals a reality—together.
At Capital Bank Home Loans, we’re here to make your financing experience smoother and more confident from start to finish. We take the time to understand what you need, talk through your options, and build a loan solution that truly fits your goals. Whether you’re buying a home or refinancing, we’ll guide you with clear advice, creative strategies, and a plan that supports your long‑term financial success.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Conventional Home Loan
Mortgage Refinance
Fixed Rate Mortgages
Qualified Mortgage Pre-Approvals
Cash-Out Refinances
Specialities
Nationally Ranked VA loan specialist
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Addresses and Serving Areas
Primary Serving Area
Year Started
1998
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 455846
Gallery
Achievements
- ranked 11th in the nation for total VA mortgage loan volume by the Scotsman Guide in 2021.
Hobbies
- Golfing
- Boating
- NFL
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Disclaimer
Capital Bank, N.A. 2275 Research Blvd. Ste #600, Rockville, MD 20850. NMLS # 401599. 301-468-8848.