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Saint Simons Mortgage
Buy. Build. Refi.

Stephen Moreno is a mortgage consultant with Capital City Home Loans serving Brunswick, The Golden Isles, and the Southeast from the heart of the village on Saint Simons Island. Learn how we’ll help customize the ideal mortgage solution for you.

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Stephen Moreno - Georgia Mortgage Consultant
Expert Mortgage Guidance Customized for You

My team and I have been serving our clients through Capital City Home Loans on Saint Simons Island since 2013. We offer mortgages in all of Georgia and most of the Southeastern United States. We are ready to serve you and your family whether you’re a first-time homebuyer, a Golden Isles local, a new transfer to FLETC, or looking for a second home or an investment property.

When you need to Buy, Build, or Refinance, we have the right home loan program. Our menu of loan products is expansive and covers a multitude of mortgage needs. We are a one-stop-shop for purchases, refinances, second mortgages, construction-perm loans, land loans, and just about any residential mortgage product you might need.

I lend in Georgia, Florida, Alabama, Tennessee, South Carolina, North Carolina, Maryland, Mississippi, and Virginia. With our suite of online systems, REALTOR® contacts, and network of appraisers and title attorneys, we can help you just about anywhere in the Southeast.

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All-in-One Solution

Our Loan Process...

PRE-APPROVAL

A loan pre-approval sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes. Make an offer, and let’s get started!

LOAN APPLICATION

Customize the mortgage for your needs, sign disclosures, and get your loan into processing and underwriting.

LOAN PROCESSING

Review and double-check all the necessary paperwork and details for the underwriter with your personal loan processor.

UNDERWRITING

Mortgage underwriters review your loan application and paperwork to be sure it aligns with lending guidelines and issue final loan approval.

CLOSING

Documents are drawn and sent to the attorney or title company for closing. Get your new keys, start building your house, or enjoy that new refi!

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Want to Get a Mortgage Rate Quote?

Whether you are a first-time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial. We’re ready to help our local Brunswick and Saint Simons mortgage clients, and can lend just about anywhere in the Southeast.

My team and I pride ourselves on excellent communication and easy accessibility when you need us. My experienced staff and I are here to guide you every step of the way.

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

Client Resources

Empower yourself with mortgage knowledge and find valuable resources and insights in the links below. Learn more about Capital City Home Loans, see our loan programs, and request a free consultation.

Mortgage Calculator
Look at different scenarios with my mortgage calculators.
Learning Center
Read through the articles to help you learn more about the mortgage process.
Loan Programs
Familiarize yourself with some of the loan programs we offer.
Quote Request
Request a no obligation quote with no credit check required.
Our Local Service Areas

I lend in Georgia, Florida, Alabama, Tennessee, South Carolina, North Carolina, Maryland, Mississippi, and Virginia with a focus on our local Southeast Georgia and Northeast Florida markets. We can help you just about anywhere in the Southeast!

Brunswick, GA

Brunswick, Georgia

Saint Simons Island

Saint Simons Island, Georgia

Jekyll Island, Georgia

Jekyll Island, Georgia

Darien, Georgia

Darien, Georgia

Saint Marys Georgia

Saint Marys, Georgia

Waycross Georgia

Waycross, Georgia

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