Stephen Moreno, IV - Capital City Home Loans

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Stephen Moreno, IV - Capital City Home Loans He graduated summa cm laude from Georgia Southwestern State University in Americus, Georgia with a Bachelor’s of Business Administration.

Mortgage Consultant | AVP Sales Manager
Capital City Home Loans, LLC
NMLS #75615 | MLO NMLS #761190
Equal Housing Lender
912.771.2115
[email protected]
www.SaintSimonsMortgage.com
Lending in AL, FL, GA, MS, NC, SC, TN, & VA Capital City Home Loans, LLC
NMLS #75615 | MLO NMLS ID #761190
Equal Housing Lender

Stephen Moreno is a native of the Golden Isles of Georgia and also lived many years in Americus, Georgia. Stephen began his career in customer service and sales after graduation and returned to the Saint Simons area soon after. His banking career has spanned almost every role beginning as a teller and has since included personal banking, home equity lending, branch management and mortgage lending. He has been recognized as Capital City Elite every year since 2017 for being in the top 15% of mortgage originations for the entire company. Stephen and his team's focus and dedication to customer service, client relations and his knowledge of the mortgage and banking industry make him uniquely qualified to manage your mortgage application quickly and efficiently. Whether it be a first-time home purchase, a rural USDA mortgage or a multi-million dollar home in the beautiful Golden Isles and beyond, Stephen is ready to get you into your new home. Stephen serves on multiple committees with the Golden Isles Association of REALTORS® and is a Member of the Board of Management for the Golden Isles YMCA Foundation. Quick closings and white glove client and customer service are his specialty. Put your mind at ease and give him a call today.

Mortgage rates ended last week at their lowest levels since September 23rd, extending an improvement that had started to...
11/02/2026

Mortgage rates ended last week at their lowest levels since September 23rd, extending an improvement that had started to look a bit indecisive. Renewed trouble in the tech sector provided the biggest push, with Thursday and Friday bringing a combined drop of 0.08% for the average 30yr fixed rate.

Tech, Not the Fed, Pushed Rates to Lowest Level Since September   Mortgage rates ended last week at their lowest levels since September 23rd, extending an improvement that had started to look a bit indecisive. Renewed trouble in the tech sector provided the biggest push, with Thursday and Friday br...

Tech, Not the Fed, Pushed Rates to Lowest Level Since SeptemberMortgage rates ended last week at their lowest levels sin...
11/02/2026

Tech, Not the Fed, Pushed Rates to Lowest Level Since September

Mortgage rates ended last week at their lowest levels since September 23rd, extending an improvement that had started to look a bit indecisive. Renewed trouble in the tech sector provided the biggest push, with Thursday and Friday bringing a combined drop of....

10/26/2026

Mortgage rates made it to their lowest levels in a month this past week, once again getting a helping hand from trouble in the tech sector. The overall improvement was smaller than last week’s, but Thursday offered another impressive example of how quickly concerns about AI-related growth can translate to lower borrowing costs for homebuyers.

Full post link in the comments:

Come see Brooke Baxter Ackerman and me today from 11:30 - 1:30 to tour this beautiful home at 282 Wild Heron on Saint Si...
09/17/2026

Come see Brooke Baxter Ackerman and me today from 11:30 - 1:30 to tour this beautiful home at 282 Wild Heron on Saint Simons!

Listed at $840k, this is a great opportunity to buy a home in an established mid-island neighborhood surrounded by stately live oaks.

While you're here enjoying lunch from Southern Soul Barbeque, talk to me about Capital City Home Loan's below market rate portfolio loans and how we can save you THOUSANDS of dollars on your mortgage!

Today's real estate market calls for creative financing strategies. For some buyers, an Adjustable-Rate Mortgage can pro...
09/03/2026

Today's real estate market calls for creative financing strategies.

For some buyers, an Adjustable-Rate Mortgage can provide a lower starting rate and more purchasing power. Whether you're purchasing a primary residence, second home, or investment property, it's worth exploring all your options.

Let's build a financing strategy that works for your goals.

📞 Contact me to get started.

Highest Rates in Over a Year (And a Small Recovery)While the milestones may be significant, the underlying reasons for t...
07/27/2026

Highest Rates in Over a Year (And a Small Recovery)

While the milestones may be significant, the underlying reasons for them remain simple.

Check the link in the comments for more mortgage rate market commentary ⬇🏡💰

07/14/2026

Brand new construction starting at $165k?! Yes, you read that correctly. Forward Brunswick's new development in Downtown Brunswick is taking shape and new contracts are already being written. Capital City is a preferred lender for these homes, and we have special incentives ranging from closing cost credits to no money down mortgages.

Let's talk today about your new home!

07/13/2026

🏠Mortgage Market Update 📈📉

Oil and Rates Giving Their Relationship Another Shot

For 3 months, they were almost inseparable. Then in June, they went their separate ways. Now oil and rates are back together in July, for the most part.

Check the comments for the link to the full article ⬇

07/10/2026

A Little Housing Perspective

One of the biggest misconceptions in today's market is that houses selling in 24 hours with 15 offers and buyers waiving inspections, appraisals, and common sense was somehow "normal."

It wasn't.

That environment was the result of:
• Historically artificial 3% mortgage rates
• Massive Federal Reserve intervention
• Pandemic-driven migration
• Record-low inventory
• Trillions of dollars of fiscal and monetary stimulus

In other words, it was the housing equivalent of a sugar rush.
Historically, a healthy housing market looks much different:
• Homes stay on the market for weeks, not hours
• Buyers negotiate
• Sellers offer concessions
• Appraisals matter
• Inspections happen
• Inventory exists

That's not a weak market—that's a functioning market.
Today we're gradually returning to a more balanced environment where buyers have choices and sellers have competition. While that can feel uncomfortable compared to the frenzy of recent years, it's actually much closer to what most of the past 30 years looked like.

The headlines often focus on what's slowing down, but the reality is we're seeing something healthier: a normalization of supply and demand.

Or put another way:
The sky isn't falling. We're just no longer living in a world where every house was treated like the last bottle of water before a hurricane.

A balanced housing market isn't bad for real estate—it may be the best thing that could happen to it.

06/26/2026

First Responder Appreciation Lunch! Come see us!

Address

621 Ocean Boulevard
Saint Simons Island, GA
31522

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 12pm

Website

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