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 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
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
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 was awesome every step of the way. He stayed in contact and was very attentive to our needs. Stephen’s staff was also a pleasure to work with, they were professional and got everything done with our loan. We had a couple bumps in the road, but Stephen made it happen and I am now sitting in My Forever Home.
Carol BBrunswick, GA
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
The very best service and communication!
Betty E - REALTOR® St Simons Island, GA
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 so… Read more
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
Stephen R.M. Moreno, IV 912.771.2115
Mortgage Consultant | Sales Manager
Capital City Home Loans, LLC
NMLS # 75615 | MLO NMLS ID #761190 621 Ocean Blvd Saint Simons Island, GA 31522
I provide mortgage loans to my clients with competitive rates and white glove customer service through Capital City Home Loans. I focus 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 in addition to all of Georgia. I am also licensed to originate mortgages in Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, & Tennessee.