Client Mortgage Reviews

Read Verified Client Mortgage Reviews for Stephen Moreno

Stephen Moreno, Mortgage Consultant - Saint Simons Island

Stephen Moreno, Mortgage Consultant – Saint Simons Island

Check out these client mortgage reviews for mortgage consultant, Stephen Moreno. Using a mortgage lender you can trust to get your mortgage loan closed on time can be a hassle free process that makes the home buying and refinancing process a breeze!

See more client mortgage reviews and testimonials on my Zillow Profile and on Testimonial Tree!


We had a great experience. We had just gone through a refi that took forever and was pleasantly surprised how smooth the process went.

Misty P - Saint Simons Island, GA

Stephen Moreno managed a complicated loan package into a ‘smooth sailing’ process!!

Leighann W - REALTOR®

Everything went smoothly. Stephen was always responsive. Great doing business with you.

Charles H - Darien, GA

The very best service and communication!

Betty E - REALTOR® St Simons Island, GA

Stephen Moreno at Capital City Home Loans went above and beyond to help me! I could not thank him enough for all of his help!

Meridith G - Midland, GA

Stephen Moreno always goes above and beyond to make buying a home an incredibly easy and straightforward process. My clients were working with another loan officer when I started showing them houses. They were very frustrated with the process and service of said officer so I referred them to Stephen. From the moment they connected, Stephen answered all their questions and addressed their concerns. He is always quick to respond if we have any questions, even outside of normal business hours. I can’t recommend the him enough!

Silvy T. - REALTOR® Jesup, GA

I had never used or heard of Capital City Home Loans before a real estate client introduced me. They had such a good experience that they wanted to use them moving from GA to FL. I was hesitant but agreed. Stephen with Capital City Loans was professional and had the best communication I have ever experienced working with a lender. I will refer him to clients going forward. Thank you.

Tammy G. - REALTOR Fort Myers Beach, FL

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 Moreno is a wonderful loan officer. He is one of the smartest people I know. He is always knowledgeable about the market and insightful on the financial future. He makes getting a loan as seamless as possible. I will recommend him to anyone!

Debbie D - REALTOR® Saint Simons Island, GA

This is my second time working with Stephen on a home loan. He is extremely knowledgeable, friendly, and his communication during the loan process is very thorough. I have recommended him to many friends and family. I look forward to working with him again in the future.

Tina A - Brunswick, GA

Great job! Highly recommend.


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

Laurna B - Saint Simons Island, GA

Very friendly and so professional! Stayed on top of everything while we were closing.

Gary S - Waynesville, GA

We were referred to Stephen when buying our first home. We had very little money but Stephen treated us with such respect and guided us through the process. Fast forward to buying our dream home it was without doubt we would use Stephen again to buy our second home. He had our best interest in mind and is very thorough. I would not use anyone else. Thanks again!

Rozalia S - Statesboro, GA

Stephen Moreno was very responsive and great to work with. Closing was smooth and on time thanks to him!

Silvy T - REALTOR®

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

Claire D - Brunswick, GA

Stephen was very attentive and straightforward with information. Laura was diligent and thorough with getting all our information to underwriting.

Timothy H - Brunswick, GA

We had a smooth financial experience with the CCHL team. Stephen Moreno was very helpful and explained the financial aspects in a clear and precise manner. He was very helpful.

Gary M - Brunswick, GA

Honestly I never thought I’d be a homeowner not only did that change but Stephen went above and beyond to make sure I had all the options that that fit our budget and needs. The process was a breeze considering the horror stories I hear about closing and the worry I had no issues kept us from our date. Even switching the type of loan with a week out from closing to make sure we could still close. Can’t thank him enough!

Patrick M - Brunswick, GA

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.

Linda R - Brunswick, GA

I love working with Stephen. He is so easy to work with and keeps everyone in the loop with the loan process.

Sharon F - REALTOR® in Brunswick, GA

Stephen did an excellent job on our refi. We financed through them when we bought the house and both times it has been a simple process. Would definitely do business with Stephen again!!

Casey S - Townsend, GA

Stephen was great!!! Communication was already prompt. All assistants were very professional and nice. Would highly recommend them to anyone looking to buy a home!

Jeffrey G - Saint Simons Island, GA

Very helpful experience, especially for first time homebuyers.

Andy P.V. - Brunswick, GA

Stephen is great to work with! Very personable and pleasant. Easy no hassle process.

Terri W - Blairsville, GA

Stephen took care of everything. He made sure of the timeliness and accuracy of all required documents.

Earla F - Brunswick, GA

Stephen Moreno and his team were amazing! The loan went through with complete ease. Felt effortless. Class act. Total professionalism from the moment I talked to him to funding. Highly recommend!

Darcelle B - The Villages, FL

Stephen goes above and beyond by helping in anyway possible. He answers questions on any day, at any time by text, call and email. He facilitates a smooth process for all transactions. He will always be our go to and the one we refer to anyone we know. He is more than 5 stars! He is the absolute best!

Jennifer P - Brunswick, GA

I have done multiple loans with Stephen. Each one is easier than the last. He really works hard to get to know you and understand your goals. You know 100% of the time he is on your team working to get the deal done, and done on time. Would highly recommend giving him a call for any mortgage need.

Stuart S. - Cumming, 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

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

“Stephen was great at answering any questions or concerns I had at any time”

Benjamin P - Waycross, GA

Stephen, Laura and the rest of the team were phenomenal.

Mike G - Tampa, FL

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!

Joseph S - Suwanee, GA

“Stephen had done it again! He (and really the whole office) went above and beyond for us during our recent mortgage process. Stephen is the only mortgage broker that we will ever use!”

Lauren W - Chattanooga, TN

Excellent customer service. The video provided by Stephen with accompanying slides, specific to our situation was very helpful. Responses to questions timely and thorough. Quicker and easiest refinance we’ve ever done.

Susan T - Brunswick, 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

“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. “

DJ L - Brunswick, 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

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

Corey Murrell - Murrell Construction in Kingsland, GA

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

Terri W - Murphy, NC

“From loan application to approval, all went smoothly. Stephen responded to my calls and texts very quickly with info that I needed. Would definitely recommend your company.”

Betty B - Saint Simons Island, GA

“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 is stupendous and his follow-ups, updates, emails and phone calls are awesome! He is THE MAN!”

Bev TeevenREALTOR®Sea Palms RealtySaint Simons Island, GA

“Great job!”

Christine RadfordREALTOR®Atlantic Salt RealtySt. Mary's, GA

“Stephen was great since the first time we talked, he was always a message/call away. He would respond immediately and always answer any question. He explain everything, sent me videos to help me understand. He was extremely professional and helpful at all times”

Andrea P - Kingsland, GA

“Very quick and efficient process”

Brian C - Saint Simons Island, GA

“Great experience! Stephen Moreno kept me informed through out the process and made things very easy. “

Jeff W - Brunswick, GA

“Mr Moreno acted as a true professional, making the process easy, simple, and painless. Would highly recommend him.”

Berry O - Saint Simons Island, GA

“The whole team was great. Amazing experience!”

Matthew M - Americus, GA

“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 Home Loans. “

Jami H - Americus, GA

“Stephen is hands down one of the best lenders I have used. He is thoughtful, kind, and very personable. As an investor, I plan to use him for all my future loans.”

Terri W - Blairsville, GA

“Very pleased with the professionalism and prompt service from this lender. Stephen Moreno was excellent to work with and I will definitely refer any future clients to this lender, and look forward to working with him again.”

Tracey G - REALTOR® in Brunswick, GA

“Professional and caring”

Cynthia C - Brunswick, GA

“Stephen Moreno is professional, states what he can do, communicates what is going on, responds to every question in a timely fashion, does what he promised. Provides great customer service.”

Carl W in Darien, GA

“Stress, angst , and worry are common when one is dealing with home financing. Stephen and his team work diligently to de-stress this distressful procedure. Care and compassion are seemingly the cornerstones of Stephen’s business. Every question is met with a response that is expert and comprehensive, yet explained fully and simply. Throughout every step of the process, Stephen and his team were available and responsive. From the onset until the actual closing, we were taken care of and informed. I’m genuinely thankful for the opportunity to have worked with Stephen and will confidently recommend him to anyone in the market for property. “

Ryan W - Americus, Georgia

“Stephen is upfront, personable, and always on track for a timely closing. Nice guy to work with”

Winnie S - REALTOR® on Saint Simons Island, GA

“Great communication throughout the entire closing process! “

Ginger G - REALTOR® in Pinehurst, NC

“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.”

Lee L - Pinehurst, NC

“Stephen is fantastic to work with. He is professional, efficient, & diligent. He strives for perfection & goes above & beyond to help his clients. I’d highly recommend him for anyone looking for a new mortgage or refinance. “

Stacey D - REALTOR® on Saint 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

“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.”

Bruce E in Cumming, GA

“I had a great experience with Stephen and his team. I really appreciated help they offered in my new venture becoming a first time home buyer. It was a bumpy road but they have made it a smooth as it could possibly be. I really appreciated picking Capitol city and would do it again if I had the chance. Thank you guys for all the hard work, I really gotta thank you for making my dreams come true. “

Wilfredo G in Athens, Georgia

“Stephen Moreno is a saint and crushed it while helping me get my home loan! Very professional! Very easy to work with. I’ve already recommended him to others.”

Chandler H - Savannah, Georgia

“Excellent and friendly service”

Pat M - Saint Simons Island, GA

“Amazing! Nothing short of amazing!”

Matthew B - Saint Simons Island, GA

“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 Moreno and his associates have been the best mortgage people we have ever worked with.

Gary H in Americus, GA

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

Stephen is wonderful. He is patient and is very knowledgeable. He’s able to think outside of the box. I highly recommend Stephen.

Margaret R on Saint Simons Island, GA

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

Stephen Moreno answers his phone, always responsive, and guides you through the entire process. He has face time with clients and guided step by step. Working in the sameiIndustry, I relate to many of the similar dynamics. Stephen is very calm and confident through the process. Great attribute for 1st time home buyers! He assures it will be taken care of and he makes sure it is! Also, very good communication throughout the transaction with weekly updates to the agent and the buyer. Communication is a key factor!

Janice M. - REALTOR® on Saint Simons Island, GA

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

As always, excellent and his business, equally excellent with dealing with buyers and sellers, sometimes helping to make the transaction happen when it seems like it might not.


Rayea P - 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

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

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 homeownership.  His professionalism outshined competing loan officers we had consulted with.  At the time my employment was salary plus commission and I had less than two tax returns to verify my average income. Stephen did not let this hurdle discourage us from applying.  Instead he explored all avenues and provided clear understanding how to strengthen our financial circumstance to be approved, whether it was then or in the future. Stephen’s professionalism and instinct to help his clients achieve their life goal when there were financial barriers is why we chose to reapply with him when we had improved our financial standing in 2017.

I would tell Stephen, “I am only accepting good news today!”  His knowledge in the industry gave him an advantage to respond to any hurdle optimistically.  He utilized all resources throughout our loan process to reassure us we were moving forward.  He and his knowledgeable team worked seamlessly together to provide clear direction for us and left no room for error.

Stephen’s communication is his strongest attribute.  Whether it was at 8:00am or 8:00pm Stephen answered every question or concern I had instantly.  There was no grace period I had to wait for a response from him.  There was no time for my worries to fester.  He was there every step of the way to inform my husband and I during the loan process.  Stephen communicated with all sectors involved in the loan process and in return updated me. His communication eliminated our stress, lightened my involvement, and executed the loan process efficiently.

I would say Stephen Moreno provided great customer service, but he didn’t.  He provided beyond what customer service defines! My husband and I are very appreciative for his professionalism, communication and knowledge.  There is no one else I would recommend to my family and friends to support them in purchasing a home.  Stephen is blind to $100,000 mortgage versus a $100,000,000 mortgage.  He treated my husband and I with the utmost courtesy and I gladly write this letter to say an endless thank you!


Rozalia and Adam S.

Rozalia & Adam S.

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 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! Stephen and his team delivered amazing customer service. I highly recommend Stephen Moreno and can’t wait to do business with him again!

Kristal & Chesley D

Stephen Moreno with Brand Mortgage did everything possible to ensure that we had the best possible experience in purchasing a home. In what can be a very stressful time, Stephen is the guy you want walking you through the necessary steps. Not only is he personable and professional, he has your best interest in mind. I’d recommend him to anyone!

Scott & Meagan K

We had an excellent experience working with Stephen Moreno on securing a mortgage for our new home in Southeast Georgia. We contacted Stephen as we were looking for a local lender and immediately knew that he was the person for us. He was very helpful to us and was extremely patient in answering our many questions about the process. He also provided the requisite knowledge to ensure that we understood the process and that we were able to secure a mortgage that was most beneficial to us. Stephen consistently made himself available to us even ensuring he would be available after hours if we had any questions. Bottom line, Stephen is a very nice guy and we enjoyed working with him throughout the process. I would highly recommend him to anyone looking to secure a mortgage in the Southeast Georgia area!

Terri & Rick S

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

Mortgages Made Easy – Stephen was successful at educating me on and through the loan process and closed my loan in a timely manner. I would recommend working with Stephen to everyone!

Miranda C

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.

Eric P.

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 sometimes, pretty comical. So a lot of what we did didn’t feel like work.

Stuart S.

I would like to highly recommend Stephen Moreno for his work as our mortgage broker.  Stephen worked diligently on our loan package and made the process very easy from start to finish.  Applying for a loan can be a daunting process but with Stephen’s help and Brand Mortgage’s easy to use online application and document system we found the process to be simple and convenient.  Stephen kept in constant contact with us right up to the day of closing and several times since to make sure we had had a good experience.  Again, I can highly recommend Stephen as a capable, knowledgeable and hard working mortgage broker.

Jeff W.

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 provided clear guidance throughout the entire loan process (application and closing).

There was not a single moment throughout the entire process that I did not feel that Stephen was working to ensure that all of my banking needs were handled and taken care of from the very beginning to the very end of my home purchase process. (He even called moments before closing to ensure that all of my banking needs were taken care of and to congratulate me on my home purchase after the completion of the closing process.) If you are looking for a great home loan experience and want to work with a professional who treats your banking needs with care more like family than a customer, then Stephen is your guy! I highly recommend that you give him a call and let him help you with all of your banking needs !

Gayla B.

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 do was show up and sign. He decreased my anxiety about buying the house easily by 90 percent. I would recommend Stephen to anyone interested in financing a home. He was more than happy to hold our hand and walk us through the entire process

Connie B.

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 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.

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 made the loan process extremely easy for me. If you are looking to get a loan of any kind I would call Stephen before anyone else. He will make sure that you get the best service and most of all the best loan.

Will M.

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.

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 the closing table, Stephen was flexible in assisting us with any requested changes. Because of Stephen and Brand Mortgage I believe we got the best loan for our home with minimal stress. We had a great experience and will recommend him to friends.

Kimberly T.

Stephen was such a pleasure to work with during our first time home-buying experience! He made everything understandable and took the time to explain things in detail to us. I highly recommend him to take care of all your mortgage needs. Thank you Stephen for making our family’s American Dream come true.

Logan and Chelsea C.
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