Headshot of James Capra

James Capra

Vice President, Branch Manager

Clifton, NJ Mortgage Lender

NMLS #973627

374 Clifton Avenue, Suite 1
Clifton, NJ 07011
Contact Methods
tel Phone
mobile Mobile
(201) 230-6431
fax Fax


About James

I’m a successful loan officer with over 10 years of experience in the industry. In 2023 and 2022, I was ranked one of Scotsman Guide’s Top Originators for Most Loans Closed – a testament to my dedication and hard work. I closed almost $84 million in mortgage volume in 2022, earning me the #18 rank in the country and #2 rank in the state of New Jersey for FHA Volume, too.

With a focus on customer service and satisfaction, I’m committed to providing you with the right mortgage solutions for your homeownership goals. I have a proven track record of helping individuals and families achieve their dreams, whether that means buying a first home, refinancing an existing loan, or tapping into home equity to fund important life events. No matter your goal, I look forward to helping you reach it.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 201-716-0562