229.942.5570 – Cell
912.638.3005 – Office
912.771.2115 – Direct
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621 Ocean Blvd | Saint Simons Island, GA 31522
NMLS# 75615 | 761190
Stephen R.M. Moreno, IV
912.771.2115
Mortgage Consultant | Sales Manager
Capital City Home Loans
NMLS # 75615 | MLO NMLS ID #761190
www.nmlsconsumeraccess.org
GA Licensee #21999 | GA MLO Licensee #63319
Licensed in AL, FL, GA, NC, SC &TN
621 Ocean Blvd
Saint Simons Island, GA 31522
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.
“Excellent and friendly service”
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.
“Stephen is awesome! Have referred all my family to him and will use him for all my future investments.”
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 … Read more
“It was great working with Stephen Moreno. Fast and efficient.”
Stephen is wonderful. He is patient and is very knowledgeable. He’s able to think outside of the box. I highly recommend Stephen.
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.
“Stephen is stupendous and his follow-ups, updates, emails and phone calls are awesome! He is THE MAN!”
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.
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!
“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. “
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 … Read more
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
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.
“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. “
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 … Read more
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 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.
“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.”
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
621 Ocean Blvd
Saint Simons Island, GA 31522
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.