Stephen Moreno, IV - Capital City Home Loans - St Simons Island, Georgia

Adam L.

We had a fantastic experience working with Stephen Moreno, Laura Francis and the team at Capital City Home Loans! It all started as a serendipitous find through a late night Google search, but Stephen’s video on his LinkedIn profile solidified our choice in him, and we couldn’t be more grateful for it. From start to finish, Stephen made the mortgage process smooth, transparent, and as stress-free as possible.

As buyers purchasing a second home, we appreciated how Stephen walked us through every step, answering all of our questions with patience & clarity. Stephen really stood out was when we submitted an initial inquiry, around 11:00 pm on a Sunday, and Stephen responded first thing the next morning, even though it was a holiday Monday. That level of attentiveness was incredible.

Stephen made himself accessible via phone, text & email and never once made us feel like we were a bother, even on weekends. His responsiveness, professionalism & calm demeanor gave us complete confidence throughout the process. By the time we met Stephen in person at the closing, it felt like meeting up with an old friend.

Thanks to Stephen’s expertise & commitment, we secured a great rate & closed on our home within 30 days of signing the contract!

We are incredibly grateful for Stephen’s support & highly recommend him & the Capital City Home Loans team to anyone seeking a dedicated & approachable mortgage consultant.

Thank you again, Stephen, for all your hard work & guidance!

— Adam & Eric

Kaylee C.

Stephen is professional, communicative, and supportive through the loan process. I've known Stephen for 5+ years, and he has been patient while I found the right place to call home. Stephen took time to walk me through every step of the process, and even after we had gone through everything, he would allow extra time for my thousands of questions. I honestly couldn't imagine going through this without his expertise. I am beyond grateful for the consistent communication, professionalism, honesty, and openness. Highly recommend Stephen Moreno, and the entire team at Capital City Home Loans.

Susan F.

Stephen was great to work with! He made the process from start to finish very easy! He is very knowledgeable and was able to find me the best rate. I would definitely recommend him to all of my friends.

Carol B.

I can’t say enough about Capitol City Home Loans. Stephen and his staff we were phenomenal, they went above and beyond. We moved to Georgia from California. Stephen held our hands through the whole process, made phone calls and did all the legwork and kept us in loop the whole time. I would most definitely recommend Capital Home Loan to anyone looking to buy.
Thanks Stephen for everything.

Mike B.

We have worked with Stephen at CCHL on numerous occasions, and he and his team are top notch! There is never any type of delay in response time, never any lack of knowledge to any question asked, and most importantly, never any doubts that he and his team have our best interests at heart. When you are working with Stephen and Laura, you are in the best of hands!

My family and I are very thankful for them and their efforts on our behalf.

Lisa G.

As a Realtor, I collaborate with numerous Loan Officers, but working with Stephen Moreno was a standout experience. He diligently ensured the loan process was seamless and well-prepared well ahead of the scheduled closing. I highly recommend Stephen to any buyer looking for a partner who prioritizes swift, clear communication and thoroughness. Working with him was an absolute pleasure—professional and meticulous, ensuring every detail was handled correctly.

Andy P.

Or experience with Stephen was clear and concise! Stephen was easy to work with and provided video support on what our options were and gave us many different paths to pursue a mortgage. He was easily accessible and responded within minutes of emails or phone calls. We could not have been happier with the service we received from Stephen Moreno with Capital City Home Loans!!

Jacob J.

Stephen and his team were amazing with helping us. They made the process so easy