“Stephen was the absolute definition of “user-friendly” from start to finish was always there, answered every question, made me feel comfortable. Easy to trust. Amazing experience. “
DJ L - Brunswick, GA
“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
From beginning to end Stephen Moreno and his team were prompt in their dedication to our needs during the loan process. We would recommend him and his team to anyone. We thank you all for everything!
Adam B in Tampa Bay, FL
“After contacting Stephen about a refinance offer I received in the mail, he took the time to explain how the process goes. He then sent me scenarios of the different options I had. I have never done this before and had tons of questions, which he patiently went over with me. After deciding which route I wanted to take, we began the process of refinancing. It went so smoothly and was stress free. I am very satisfied with my decision to refinance my home as well as using Stephen at Capital City H… Read more
Jami H - Americus, GA
Stephen had to step in and take over my loan when another mortgage consultant changed jobs. He was so kind and such a great person, I didn’t feel abandoned at a critical time in my loan process. Thank you for your hard work and for making the process go smoothly.
Demetra F - Savannah, GA
Stephen Moreno was very responsive and great to work with. Closing was smooth and on time thanks to him!
Silvy T - REALTOR®
Stephen and team were wonderful to work with. I would highly recommend!
Claire D - Brunswick, GA
“It was great working with Stephen Moreno. Fast and efficient.”
Corey Murrell - Murrell Construction in Kingsland, 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, 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
“Amazing! Nothing short of amazing!”
Matthew B - 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 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.