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
Capital Bank accommodated our needs with the home run program and still came through for us with the loan terms when Citi failed to deliver on the underwriting .
Reply from James Bell
October 8th, 2025 07:53 PM
It's encouraging to hear that Capital Bank Home Loans was able to meet your needs where others couldn't, Caleb. I’m glad the home run program and loan terms worked out well for you. It's important to me that each of my clients receives the...
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James, Mark, and team have been diligint for the past two years in tracking the rates and ready to pull the trigger with me whenever the met my needs. Once I decided it was that time, they were extremely professional and efficient in assisting...
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Reply from James Bell
October 2nd, 2025 09:23 PM
Eugene, I appreciate your feedback on your experience with Capital Bank Home Loans. It was satisfying to work with you over the past two years and to be able to assist when you decided the time was right. Your recognition of our professionalism...
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Mostly the efficiency of the process. We have utilized Capital Bank in previous home mortgage endeavors, great then and great this time!
Reply from James Bell
November 12th, 2024 12:48 PM
I'm thrilled to hear about your positive experiences with Capital Bank Home Loans, Garland. Your kind words about our efficiency mean a lot. It's always fantastic to know that we've done well in the past and continue to meet your expectations....
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Informed through the whole process. Just outstanding service and professionalism.
Reply from James Bell
October 17th, 2024 01:24 PM
I'm really pleased to know that you found the service to be outstanding, Jose. Your kind words have made my day! I strive to keep clients informed and supported throughout the entire process, and it's wonderful to hear that it made a difference...
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James was very helpful and very friendly!
Reply from James Bell
October 17th, 2024 01:25 PM
I'm delighted to hear that you found my assistance helpful, Michael! Your feedback is highly appreciated. It was a pleasure supporting you with your No-Cash-Out Refinance at Capital Bank Home Loans. Striving to be friendly and helpful is part...
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Very good man...
Reply from James Bell
October 1st, 2024 07:24 PM
Thank you, David, for your wonderful 5-star rating and kind words. I'm glad I could assist with your Cash-Out Refinance. Your feedback means a lot to me and the entire team here at Capital Bank Home Loans. Looking forward to serving your future...
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The staff was very professional and accommodating. The process was smooth and if we had questions or concerns we had a prompt call or email. Very nice people to work with.
Thank you
Robert and Anna Sullivan
Reply from James Bell
October 1st, 2024 05:34 PM
I'm thrilled to hear that you had a smooth experience with Capital Bank Home Loans, Robert! It's refreshing to know that our team's professionalism and responsiveness met your expectations. We always aim to make the cash-out refinance process...
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I am a repeat customer of the James Bell Capital Bank team. They have always provided the best rates and world class service. Extremely well organized and know how to do Home, cash out refinance, and IRRL loans. There really aren’t enough positive...
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James and his team did an amazing job in answering my questions and keeping me updated throughout the process of buying my first home. We were even able to close early, which was fantastic for both myself and the seller. I was so nervous purchasing...
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I worked with James Bell (Jim) and Primelending in regards to their loan servicing. Everything was fine through the application process, but almost two weeks after closing we received an email asking us to sign some documents they didn't give...
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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.