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
Copy of Divorce Decree and Child Support Order
Copy of DD214 for VA Mortgages
Award Letters for Pensions and/or Social Security
Copy of Your Driver’s License
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
“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
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… Read more
Janice M. - REALTOR® on Saint Simons Island, GA
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.
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 … Read more
Terri & Rick S
“Professional and caring”
Cynthia C - Brunswick, 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
“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 inform… Read more
Ryan W - Americus, Georgia
Stephen Moreno and his associates have been the best mortgage people we have ever worked with.
Gary H in Americus, GA
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!
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.