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“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
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 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 ca… Read more
Silvy T. - REALTOR® Jesup, 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 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 responsive and great to work with. Closing was smooth and on time thanks to him!
Silvy T - REALTOR®
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
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 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 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
Stephen R.M. Moreno, IV 912.771.2115
Mortgage Consultant | Sales Manager
Capital City Home Loans, LLC
NMLS # 75615 | MLO NMLS ID #761190 Apply Online
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, Virginia, & Tennessee.