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
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
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 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.
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
Stephen is the best to work with! He’s great at communicating during the loan process and makes sure he answers all questions.
Frannie M - REALTOR® St Simons Island, 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
Stephen and team were incredibly helpful, knowledgeable, responsive, and an absolute pleasure to work with! Made the entire process so easy and seamless. Highly recommend!!!
Maria B - Brunswick, GA
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! … Read more
Kristal & Chesley D
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 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.