To get started, use the mortgage application checklist below. The mortgage application process can seem overwhelming, but my team and I are here to guide you and make it as stress free as possible.
These documents are not required for a simple pre-approval. However, allowing me to review these documents upfront will give you a more secure and reliable assessment of your financial picture so that we can choose the right mortgage loan product for you. Once you have gathered these documents. you can upload these documents through our secure application portal by applying online. Contact me if you would to discuss other options for document delivery.
Click the image to download a printable PDF version of the mortgage application checklist
Last 2 Years of Business & Personal Federal Tax Returns with All Pages (if self-employed or if you have rental properties)
Last 2 Years of W2s, 1099s, and/or K1s
Last 30 Days of Paystubs
Last 2 Months of Personal Banking & Investment Statements with All Pages (must be official copies or PDFs downloaded online)
Most Recent Mortgage Statements for All Real Estate Owned
Most Recent Homeowner’s and Flood Insurance Bills for All Real Estate Owned (or agent contact info)
Most Recent HOA Bills for All Real Estate Owned
Most Recent Property Tax Bills for All Real Estate Owned
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
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.