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Now that the pictures are hung and endless boxes are unpacked I can write this letter with the deserving gratitude my husband and I would like to express for Stephen Moreno.  His title with BrandMortgage is Mortgage Loan Officer, however he goes beyond his call of duty.  Throughout our quest to purchase a home he exemplified pure professionalism, knowledge of industry, and communication.

Our client relationship with Stephen began in 2015 when my husband and I started discussing the idea of homeownership.  His professionalism outshined competing loan officers we had consulted with.  At the time my employment was salary plus commission and I had less than two tax returns to verify my average income. Stephen did not let this hurdle discourage us from applying.  Instead he explored all avenues and provided clear understanding how to strengthen our financial circumstance to be approved, whether it was then or in the future. Stephen’s professionalism and instinct to help his clients achieve their life goal when there were financial barriers is why we chose to reapply with him when we had improved our financial standing in 2017.

I would tell Stephen, “I am only accepting good news today!”  His knowledge in the industry gave him an advantage to respond to any hurdle optimistically.  He utilized all resources throughout our loan process to reassure us we were moving forward.  He and his knowledgeable team worked seamlessly together to provide clear direction for us and left no room for error.

Stephen’s communication is his strongest attribute.  Whether it was at 8:00am or 8:00pm Stephen answered every question or concern I had instantly.  There was no grace period I had to wait for a response from him.  There was no time for my worries to fester.  He was there every step of the way to inform my husband and I during the loan process.  Stephen communicated with all sectors involved in the loan process and in return updated me. His communication eliminated our stress, lightened my involvement, and executed the loan process efficiently.

I would say Stephen Moreno provided great customer service, but he didn’t.  He provided beyond what customer service defines! My husband and I are very appreciative for his professionalism, communication and knowledge.  There is no one else I would recommend to my family and friends to support them in purchasing a home.  Stephen is blind to $100,000 mortgage versus a $100,000,000 mortgage.  He treated my husband and I with the utmost courtesy and I gladly write this letter to say an endless thank you!


Rozalia and Adam S.

Rozalia & Adam S.

Stephen did a great job of keeping us informed an on schedule to close the loan. He was very personable and it was very easy to work with him. The level of service from Stephen an Brand Kirtgage far exceeded my expectations.

Mike T

Stephen Moreno was so helpful and made buying our first home a great experience. There were no realtors involved in the purchasing of our first home which made for a great deal of questions for Stephen. Stephen was always available with an answer! He really went above and beyond in helping us with our first mortgage. Stephen always made sure to break things down so we fully understood the whole process and could be prepared for the next step. Let’s just say that Stephen has a lot of patience! Stephen and his team delivered amazing customer service. I highly recommend Stephen Moreno and can’t wait to do business with him again!

Kristal & Chesley D

Stephen Moreno with Brand Mortgage did everything possible to ensure that we had the best possible experience in purchasing a home. In what can be a very stressful time, Stephen is the guy you want walking you through the necessary steps. Not only is he personable and professional, he has your best interest in mind. I’d recommend him to anyone!

Scott & Meagan K

We had an excellent experience working with Stephen Moreno on securing a mortgage for our new home in Southeast Georgia. We contacted Stephen as we were looking for a local lender and immediately knew that he was the person for us. He was very helpful to us and was extremely patient in answering our many questions about the process. He also provided the requisite knowledge to ensure that we understood the process and that we were able to secure a mortgage that was most beneficial to us. Stephen consistently made himself available to us even ensuring he would be available after hours if we had any questions. Bottom line, Stephen is a very nice guy and we enjoyed working with him throughout the process. I would highly recommend him to anyone looking to secure a mortgage in the Southeast Georgia area!

Terri & Rick S

Stephen and his staff were incredible! They handled our home purchase with such promptness and friendliness. Honestly, we received the BEST interest rate, and we gained a personal friend with the purchase as well! My husband and I could not be happier with his service, and we tell EVERYONE how great he and his team are!!

Lauren & Scott S

Mortgages Made Easy – Stephen was successful at educating me on and through the loan process and closed my loan in a timely manner. I would recommend working with Stephen to everyone!

Miranda C

We spoke with Stephen 2 years ago about purchasing a home. At the time, our credit scores would not allow us to move forward with the process. Well, Stephen took time out of his schedule to provide us with advice to improve our scores. Today, we are homeowners, thanks to his advice. We highly recommend Stephen Moreno. There’s not many loan officers that would take time out of their schedule to do what he did. Thanks for everything Stephen! Mr and Mrs Price.

Eric P.

Stephen was on top of our re-fi the entire way through. Any time I called, or texted, he answered. He never had to “look us up” or look at notes to remember what we were doing. He was very thorough and was incredibly knowledgeable in the entire process from the paperwork and applications, through documentation, and even helped to navigate through new legislation and legality. He is well researched, and the best I’ve had the pleasure of working with. As an aside, he is also easy to talk to and sometimes, pretty comical. So a lot of what we did didn’t feel like work.

Stuart S.

I would like to highly recommend Stephen Moreno for his work as our mortgage broker.  Stephen worked diligently on our loan package and made the process very easy from start to finish.  Applying for a loan can be a daunting process but with Stephen’s help and Brand Mortgage’s easy to use online application and document system we found the process to be simple and convenient.  Stephen kept in constant contact with us right up to the day of closing and several times since to make sure we had had a good experience.  Again, I can highly recommend Stephen as a capable, knowledgeable and hard working mortgage broker.

Jeff W.

If you are in search of a home loan, I highly recommend Stephen Moreno, IV!

Stephen did an excellent job handling my loan application process and went above and beyond when providing support and customer service!

He was very friendly, timely, and professionally responded to all questions (no matter how simple or complex). He was also accessible (phone, text, email, etc.) throughout the loan application process; very knowledgeable about the processes, requirements, and regulations; and provided clear guidance throughout the entire loan process (application and closing).

There was not a single moment throughout the entire process that I did not feel that Stephen was working to ensure that all of my banking needs were handled and taken care of from the very beginning to the very end of my home purchase process. (He even called moments before closing to ensure that all of my banking needs were taken care of and to congratulate me on my home purchase after the completion of the closing process.) If you are looking for a great home loan experience and want to work with a professional who treats your banking needs with care more like family than a customer, then Stephen is your guy! I highly recommend that you give him a call and let him help you with all of your banking needs !

Gayla B.

Stephen Moreno, IV was a huge help to me and my husband during the purchase of our home on St. Simons Isl., Georgia in July, 2015. We met with Stephen and told him of the house we wanted to buy. We had reached an agreement with the seller (no realtor involved) and approached Stephen with our financing needs. He arranged financing for our home with very little work on our part. He took care of every detail along the way. He even coordinated everything with the closing attorney and all we had to do was show up and sign. He decreased my anxiety about buying the house easily by 90 percent. I would recommend Stephen to anyone interested in financing a home. He was more than happy to hold our hand and walk us through the entire process

Connie B.

Stephen was a pleasure to work with. From the time I entered his office until closing he was on top of it every step of the way. I highly recommend Stephen and plan to work with him in the future.

Sean H.

Stephen made me feel like I was the most important client he had. He was always right on top of my questions and concerns. He did an excellent job educating me on parts of the mortgage process I didn’t understand and was able to find me better and more creative mortgage options then any of the other people I tried.

Willy H.

Stephen was really helpful throughout the entire process. We had a couple of hiccups along the way with the seller and their agents, and Stephen was great about giving advice and guidance to make the process a success all the way through closing. Thanks, Stephen!

Eric A.

Stephen made the loan process extremely easy for me. If you are looking to get a loan of any kind I would call Stephen before anyone else. He will make sure that you get the best service and most of all the best loan.

Will M.

Stephen was amazing to work with on our new condo in St Simons Island. Not only did he have an attention to detail, but he made us feel that he was on our team rooting for us all the way. He bent over backwards to meet our timelines so that we could close and enjoy the 4th of Julyin our beautiful home away from home.

Tim and Terri A.

We were very impressed with Stephen Moreno and his entire lending team at Brand Mortgage. What impressed me most was Stephen’s ability to communicate quickly and effectively about any questions or concerns that we had throughout the entire home buying process. Through his cordial attitude we received outstanding customer service that could not be matched by any other local lender. Not only did Stephen and his team close our loan, but he also offered helpful advice along the way. All the way to the closing table, Stephen was flexible in assisting us with any requested changes. Because of Stephen and Brand Mortgage I believe we got the best loan for our home with minimal stress. We had a great experience and will recommend him to friends.

Kimberly T.

Stephen was such a pleasure to work with during our first time home-buying experience! He made everything understandable and took the time to explain things in detail to us. I highly recommend him to take care of all your mortgage needs. Thank you Stephen for making our family’s American Dream come true.

Logan and Chelsea C.
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