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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
“Stephen Moreno was very accessible to me. He always returned my phone calls promptly and provided excellent customer service. He handled deadlines well and gets the job done. He is personable, kind and has a wonderful demeanor in dealing with people.”
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 … Read more
Very helpful experience, especially for first time homebuyers.
Stephen was very helpful with everything. I was not too good working with computers. Stephen went above and beyond helping me. He was courteous regardless of how many questions I asked him.
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.
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
“The whole process was so easy. I received a list of what was needed from me, I provided the necessary documents, and they did the rest.”
“The whole team was great. Amazing experience!”
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
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.
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 … Read more
Once again Stephen kept a calm demeanor as we navigated the tumultuous waters of a refinance in order to take a lower interest rate and free up some money on a monthly basis. Knowing that the buddy cop movie duo of Stephen and Laura had all the evidence they needed for an open and shut case to lock in that rate we were well on our way from step one. Great teamwork!
Stephen, Laura and the rest of the team were phenomenal.
The very best service and communication!
“Stephen was the absolute definition of “user-friendly” from start to finish was always there, answered every question, made me feel comfortable. Easy to trust. Amazing experience. “
Stephen Moreno is the Stetson Bennett of the mortgage. Steady, accurate, and gets the job done. Lauren and I had a great experience!
“Stephen was great at answering any questions or concerns I had at any time”
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.
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
Stephen is wonderful. He is patient and is very knowledgeable. He’s able to think outside of the box. I highly recommend Stephen.
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
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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