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Posts Categorized: New Construction

New! 5% Down Construction Loan

by Stephen Moreno | on January 16, 2020 | No Comments

New 5% Down Construction Loans Inventory in the housing market has gotten tight, so

Driggers Homes Closing Cost Incentive

by Stephen Moreno | on February 15, 2016 | No Comments

Are you looking for a newly constructed home in Brunswick or St Simons Island,

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Stephen R.M. Moreno, IV
912.771.2115
Mortgage Consultant | Sales Manager
Capital City Home Loans
NMLS # 75615 | MLO NMLS ID #761190
www.nmlsconsumeraccess.org
GA Licensee #21999 | GA MLO Licensee #63319
Licensed in AL, FL, GA, NC, SC &TN

621 Ocean Blvd
Saint Simons Island, GA 31522

Testimonials

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

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

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 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.

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 p… Read more

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 … Read more

Connie B.

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.

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.

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

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

Testimonials

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 so… Read more

Stuart S.

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.

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

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. I am alone, and feel the charm of existence in this spot, which was created for the bliss of souls like mine. I am so happy, my dear friend, so absorbed in the exquisite sense of mere tranquil existence, that I neglect my talents. I should be incapable of drawing a single stroke at the present moment; and yet I feel that I never was a greater artist than now. Whe… Read more

Test

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 … Read more

Jeff W.

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

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 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 … Read more

Connie B.

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.

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 … Read more

Terri & Rick S

Stephen R.M. Moreno, IV
912.771.2115
Mortgage Consultant | Sales Manager
Capital City Home Loans, LLC
NMLS # 75615 | MLO NMLS ID #761190
www.nmlsconsumeraccess.org
GA Licensee #21999 | GA MLO Licensee #63319
Licensed in AL, FL, GA, NC, SC &TN

621 Ocean Blvd
Saint Simons Island, GA 31522

www.cchl.com

I provide competitive rates and peace of mind residential real estate financing to my clients focused in the cities of Brunswick, Saint Simons Island, Jekyll Island, Sea Island, Darien, Waycross, Saint Mary’s, Kingsland and all of the Beautiful Golden Isles of Georgia in addition to Americus, Leesburg, Albany and all of Georgia. I am also licensed to originate mortgages in Alabama, Florida, Georgia, North Carolina, South Carolina, & Tennessee.

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