About Me

Stephen Moreno

Mortgage Consultant | Sales Manager


Georgia Mortgage Consultant

Stephen Moreno, IV

Focus, dedication to customer service, and my mortgage expertise make me uniquely qualified to help you handle everything from first-time home purchases to multi-million dollar second homes and investment properties in Georgia and all over the Southeast. The great satisfaction I find in helping my clients purchase their dreams homes and achieve financial success is a driving force in each of my relationships.

Financial expertise and my passion for customer service combine for an amazing mortgage loan experience for my customers and referral partners. By partnering with Capital City Home Loans, I am able to provide white glove customer service and a wide variety of mortgage loan programs including FHA, Conventional, USDA, VA and Jumbo Mortgage Loans. As a premier Georgia mortgage lender, we consistently rank among the highest in customer service for all Georgia mortgage lenders.


Mortgage Service Areas

I focus on originating Southeast Georgia mortgage loans in Brunswick, Saint Simons Island, Jekyll Island, Sea Island and the Americus and Albany areas of Southwest Georgia. I am also licensed to originate mortgage loans in Alabama, Florida, Georgia, North Carolina, South Carolina, & Tennessee.

I am the sales manager for our office in Americus, Georgia where Josh Tondee and Lance Childers are helping to build Capital City Home Loans’ footprint in Southwest Georgia. I am also the sales manager for our mortgage offices in Dublin, Jonesville, Gainesville, and Savannah.

Personal Development & Achievements

I was born in Brunswick, Georgia and later spent many of my formative years in Americus, Georgia. I graduated from Americus High School and then earned my Bachelors of Business Administration at Georgia Southwestern State University. There, I became a member of the Sigma Chi Fraternity and was also involved in many other student organizations.  After graduation, I began my career in customer service and sales and returned to the Golden Isles of Georgia. My banking career began as a teller and has since included personal banking, home equity lending, branch management and mortgage lending.

I was recognized as an Elite Top Producer for Capital City Home Loans in 2017 & 2018 and previously as a Rising Star for Capital City Home Loans in 2014. I am the Chairman of the Board of Management for the Golden Isles YMCA and also serve on multiple committees with the Golden Isles Association of Realtors and am an active member of the Brunswick-Golden Isles Chamber of Commerce. Call me today at 912-771-2115 or Apply Online today for your complimentary mortgage loan analysis.

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Capital City Home Loans

Capital City Home Loans is far more than a trusted full-service lender that offers a suite of mortgage loan options. We offer Conventional, FHA, VA, Jumbo, Construction-Perm, Specialty Non-QM, and Portfolio Mortgage Loan Products. Capital City Home Loans takes great pride in our independence and youthful optimism.

With strong roots in the past and a firm footing in the future, we combine an old-fashioned sense of community with a progressive attitude toward the use of innovative lending products. By offering growing inventory of mortgage finance products and empowering our associates to help each and every client choose the best options, we are focused on being the best and strongest mortgage lender in the Southeast.

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