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Jamie Yowell

Mortgage Loan Officer
NMLS# 1604516
Serving Charlottesville and surrounding Counties in Central Virginia

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Thank you for considering me and Bank of the James Mortgage to serve your home purchase or refinance needs. I am Jamie Yowell and for over 20 years I have built a reputation for serving my customers with honesty, integrity and a passion for getting the job done quickly and positively for everyone involved.

I was born in Charlottesville and live in Albemarle County with my wife Brandy and our 3 children, Andrew, Allison “Ali” and Emily “Emmy” who are all active and keep us busy with school and sports activities. I hold a degree in business management from Averett University.

Since I’m based in our Charlottesville office, I can help you with a Construction to Permanent Mortgage, Purchase Mortgage, Pre Approvals for prequalification’s, & Refinance on properties throughout Central Virginia. I am able to offer Conventional, Conforming, VA, USDA, FHA, First Time Home Owners, Jumbo Mortgages & Investment properties….and if none of these terms are familiar, no worries; we’ll talk through your goals and find the best option(s) for you. At Bank of the James Mortgage we work with several funding sources/institutions to offer you options instead of a “one-size fits all” approach. A mortgage loan can be a complicated and sometimes confusing process. As such, I have developed and implemented a client/realtor communication program that keeps everyone involved in the property transaction informed of the progress of the loan.

At Bank of the James we believe in treating every customer with respect and dignity. Your loan is important, and it is up to me and our phenomenal support team to make sure that it is handled accordingly. Feel free to call, text or email with any questions. I am looking forward to helping you with any of your mortgage needs.

Charlottesville Office

434-981-5849 Mobile Number

434-328-7076 Office Number

Email Jamie



  • “Jamie Yowell gave outstanding and personalized service every step of the way. The mortgage process can be complicated but he was always available for questions and always accessible. I could not be more pleased. I have already recommended him to others.” - Mark & Denise K.

  • “I chose Bank of the James because they were the only bank that would give me a loan due to my recent retirement. I was updated throughout the process and will absolutely recommend using Jamie for a mortgage” - Karen W.

  • “Our Realtor recommended Bank of the James because you have a very good product that allowed us to purchase a lot for no money down. We found it very easy to work with you in that process and continued with you through the building and mortgage process. We would make this same decision and choice again as the loan process was excellent” - Jim and Emily M.

  • "Jamie is fabulous. We were very lucky to have him. Jamie took what could have been a painstakingly arduous process and made it an easy, stream-lined, anxiety-free experience. He was available for any and all questions 24/7, and his professionalism, and sense of humor, and clear dedication made buying a house....easy! We would absolutely recommend him to our friends and family, knowing that they would be well taken care of. A million times thank you!!!!!" - Alan & Ashley A.

  • "Jamie was on top of it from the first call. I chose him because he was local, prompt, seems very knowledgeable. He made me feel like my loan was the only one he was working on and I was updated throughout the process, it was great. I would highly recommend." - David L.

  • “Jamie was fantastic. We met with a few mortgage brokers and chose Jamie because of the rate he secured for us as well as his genuine personality and communicative style. He was very open with us and he made us feel like we mattered to him. In fact, he presented us with our initial rate and then came back to us a day or two later with an even better option which we really appreciated. He was determine to get us the best deal and to make the process as smooth as possible. Throughout the entire closing process, Jamie kept us informed on where things stood and what needed to be done, which we appreciated even more as we wanted to close in a short time frame. I know he worked very hard to make that happen. Jamie was always cheery and willing to answer questions or explain things in greater detail if need be. We also felt like he was available 24/7 which was wonderful for those random evening thoughts/worries. All in all, we really enjoyed working with Jamie and Bank of the James Mortgage and would highly recommend them!” - Courtney B.

  • “Jamie was fantastic to deal with and incredibly attentive. He often returned calls and emails outside of business hours to keep all parties apprised of the process. I highly recommend Jamie and Bank of the James.” - Winsor E.

  • "Jamie was very responsive throughout the loan process. He updated us regularly and made sure we had everything submitted within the proper timeframe. This was our 3rd home purchase and the loan process was definitely the best we have experienced!" - Kevin & Shannon M.

  • “Jamie is the BEST!!!" - Sonny & Elaine A.
    Note from Jamie: We met Sonny and Elaine as they lost confidence in their initial lender as they neared their closing date. We jumped in with both feet and helped them close on time with only 2 weeks’ time remaining until closing. It takes a village to make things like this possible and all of the team made it happen to get them in their new home!

  • “I will absolutely recommend Jamie Yowell. I chose him because of a recommendation to call him and his Professionalism and willingness to tackle complicated transaction. I was updated throughout the process and the experience was excellent.” - Denise L.

  • “Jamie guided us through an extremely complicated transaction because of our unique situation with resourcefulness, patience and humor. He kept us updated and even attended our closing. I like this tradition as it acknowledges that it is a big and important step for us in buying our home” - Jake H.

  • "We were referred to Jamie from a friend. There is not a better loan officer in the Charlottesville Area!” - Mairead and Erich A.

  • “Jamie Provided me and my clients excellent service. I will absolutely recommend Jamie to anyone looking for a mortgage.” - Heather T (Realtor)

  • “Jamie is diligent in providing clients with exactly what they need in terms of financing and always delivers on time. Jamie has been able to finance many different wants and needs of my clients as well as my own personal loans. He is excellent to work with!” - William B (Realtor)

  • “Jamie was very professional and extremely responsive. I will most definitely recommend Jamie and Bank of The James in the future.” - Lindsay M (Realtor)