“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. “
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 and his staff were incredible! They handled our home purchase with such promptness and friendliness. Honestly, we received the BEST interest rate, and we gained a personal friend with the purchase as well! My husband and I could not be happier with his service, and we tell EVERYONE how great he and his team are!!
Lauren & Scott S
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 made the loan process extremely easy for me. If you are looking to get a loan of any kind I would call Stephen before anyone else. He will make sure that you get the best service and most of all the best loan.
“Stephen was great at answering any questions or concerns I had at any time”
Benjamin P - Waycross, 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 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
We were referred to Stephen when buying our first home. We had very little money but Stephen treated us with such respect and guided us through the process. Fast forward to buying our dream home it was without doubt we would use Stephen again to buy our second home. He had our best interest in mind and is very thorough. I would not use anyone else. Thanks again!
Rozalia S - Statesboro, GA
“Very nice to work with. Good Experience!!”
Marie W - Brunswick, GA
Very helpful experience, especially for first time homebuyers.
Andy P.V. - Brunswick, 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.