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Posts Categorized: Buy vs Rent

Should I Rent or Should I Own?

by Stephen Moreno | on January 21, 2020 | No Comments

Should I Rent a Home or Own A Home? Are you currently renting your

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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

621 Ocean Blvd
Saint Simons Island, GA 31522

Testimonials

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 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 at Capital City Home Loans never disappoints. He is honest, up front, and communicates every step of the way. You can’t ask for better service!

Krissy H - REALTOR® Waycross, GA

Very helpful experience, especially for first time homebuyers.

Andy P.V. - Brunswick, GA

Buying a home is stressful…Stephen Moreno made it a very tolerable transaction. He was there for me every step of the way . He cautioned me in all the things not to do including where to buy. His advice was invaluable. I would nightly recommend Stephen Moreno and Capital City Loans to anyone looking to buy.

Connie B - Saint Simons Island, GA

“Stephen was extremely helpful throughout the entire process plus he is a really nice guy!” 7/31/2022 – Karen S

Karen S - St Simons Island, GA

“Appreciated the organized way they did business. As a client I only had to provide only the documents required. Very accommodating to arrange all of the closing event.”

Frank O in Milledgeville, GA

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.

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 … Read more

Rozalia & Adam S.

From beginning to end Stephen Moreno and his team were prompt in their dedication to our needs during the loan process. We would recommend him and his team to anyone. We thank you all for everything!

Adam B in Tampa Bay, FL

Testimonials

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 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 at Capital City Home Loans never disappoints. He is honest, up front, and communicates every step of the way. You can’t ask for better service!

Krissy H - REALTOR® Waycross, GA

Very helpful experience, especially for first time homebuyers.

Andy P.V. - Brunswick, GA

Buying a home is stressful…Stephen Moreno made it a very tolerable transaction. He was there for me every step of the way . He cautioned me in all the things not to do including where to buy. His advice was invaluable. I would nightly recommend Stephen Moreno and Capital City Loans to anyone looking to buy.

Connie B - Saint Simons Island, GA

“Stephen was extremely helpful throughout the entire process plus he is a really nice guy!” 7/31/2022 – Karen S

Karen S - St Simons Island, GA

“Appreciated the organized way they did business. As a client I only had to provide only the documents required. Very accommodating to arrange all of the closing event.”

Frank O in Milledgeville, GA

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.

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 … Read more

Rozalia & Adam S.

From beginning to end Stephen Moreno and his team were prompt in their dedication to our needs during the loan process. We would recommend him and his team to anyone. We thank you all for everything!

Adam B in Tampa Bay, FL

Contact

Stephen R.M. Moreno, IV
912.771.2115
Mortgage Consultant | Sales Manager
Capital City Home Loans, LLC
NMLS # 75615 | MLO NMLS ID #761190
621 Ocean Blvd
Saint Simons Island, GA 31522

www.cchl.com

About

I provide mortgage loans to my clients with competitive rates and white glove customer service through Capital City Home Loans. I focus 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 in addition to all of Georgia. I am also licensed to originate mortgages in Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, & Tennessee.

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