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912-771-2115

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Posts Categorized: Debt Consolidation

Market Conditions Right for Mortgage Refinancing and Pulling Cash Out

by Stephen Moreno | on September 11, 2019 | No Comments

If you took out a mortgage in 2018, now could be the right time to

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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 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 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.

Great job! Highly recommend.

Rick G - REALTOR®

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.

This is my first time working with Stephen with Capital City Home Loans on the buying side. My client had some timelines in place that were going to be hard to meet and not only did Stephen do a wonderful job in meeting those timelines but he also had great communication along the way. He did a wonderful job of explaining the process to my client along with options that would work best for her. I would highly recommend him!

Margaret P - REALTOR® on Saint Simons Island, GA

Stephen was awesome every step of the way. He stayed in contact and was very attentive to our needs. Stephen’s staff was also a pleasure to work with, they were professional and got everything done with our loan. We had a couple bumps in the road, but Stephen made it happen and I am now sitting in My Forever Home.

Carol BBrunswick, GA

“Stephen is awesome! Have referred all my family to him and will use him for all my future investments.”

Terri W - Murphy, NC

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.

Efficient service. Stephen Moreno was quick to communicate and keep all parties informed of the status of the loan. Great experience!

Heather T - REALTOR® on Saint Simons Island, GA

As usual it was a great experience. The quick response time and patience with me was key. Thank you again

Darlene C in Jesup, GA

Testimonials

Stephen was very easy to work with and efficient. Thanks!

Laurna B - Saint Simons Island, GA

Stephen Moreno is fantastic. He makes a difficult process very easy. He always makes time to answer all questions. His knowledge and expertise has allowed me to purchase two homes with ease.

Lucas E - Americus, GA

“Very nice to work with. Good Experience!!”

Marie W - Brunswick, GA

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! … Read more

Kristal & Chesley D

Stephen took a unique loan situation and made it work. It is always difficult for self employed individuals to qualify for loans, especially when you are the owner of a small business. He stuck with it and found the right loan program to fit my needs.

Leighann W - Brunswick, GA

Stephen was a massive help in the mortgage process breaking things down into the simplest ways possible, as well as steering us into a good direction that wouldn’t hinder us down the road. Any questions I had were answered quickly and clearly.

Trenton A in Americus, GA

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 team were wonderful to work with. I would highly recommend!

Claire D - Brunswick, GA

I was on a very short deadline to close. Stephen and Laura stepped up to the plate and accomplished helping me to close in time!! Talk about home savers!

Heidi P - Brunswick, GA

“It was great working with Stephen Moreno. Fast and efficient.”

Corey Murrell - Murrell Construction in Kingsland, GA

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.

Disclaimers

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