“After contacting Stephen about a refinance offer I received in the mail, he took the time to explain how the process goes. He then sent me scenarios of the different options I had. I have never done this before and had tons of questions, which he patiently went over with me. After deciding which route I wanted to take, we began the process of refinancing. It went so smoothly and was stress free. I am very satisfied with my decision to refinance my home as well as using Stephen at Capital City H… Read more
Jami H - Americus, 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
“Stephen Moreno is the best mortgage broker in this county . He thinks outside of the box and can make thinks happen that anyone else in the mortgage business can not. “
Trish S. - REALTOR® St Simons Island, GA
Stephen and his staff were incredible! They handled our home purchase with such promptness and friendliness. Honestly, we received the BEST interest rate, and we gained a personal friend with the purchase as well! My husband and I could not be happier with his service, and we tell EVERYONE how great he and his team are!!
Lauren & Scott S
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.
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
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!
“Great to work with Stephen & Laura. They were easy to communicate with & made me feel confident with my closing.”
Mary S on Saint Simons Island, GA
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.
“Stephen Moreno never misses a beat – he returns all communications immediately, is always upbeat and ‘brings it across the finish line’ every time. I would and do highly recommend him.”
Kim KelleyREALTOR®Betty Ellis RealtorsSaint Simons Island, GA
Stephen R.M. Moreno, IV 912.771.2115
Mortgage Consultant | Sales Manager
Capital City Home Loans, LLC
NMLS # 75615 | MLO NMLS ID #761190 www.nmlsconsumeraccess.org
GA Licensee #21999 | GA MLO Licensee #63319
Licensed in AL, FL, GA, NC, SC &TN
I provide competitive rates and peace of mind residential real estate financing to my clients focused 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 of Georgia in addition to Americus, Leesburg, Albany and all of Georgia. I am also licensed to originate mortgages in Alabama, Florida, Georgia, North Carolina, South Carolina, & Tennessee.