Stephen Moreno, IV - Capital City Home Loans

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 Am

ericus, 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.

All my first responder friends, share this with your folks at the station! We want to have the biggest turn out ever for...
06/11/2026

All my first responder friends, share this with your folks at the station! We want to have the biggest turn out ever for the 10th Annual Coldwell Banker Access Realty Brunswick First Responder Appreciation Luncheon!

👨‍🚒👩‍🚒🔥👮‍♀️👮‍♂️🚔. 🚑🚑

Ask any parent. A lot can change in 9 months. Same story for mortgage rates. During that time, the average 30yr fixed ra...
05/18/2026

Ask any parent. A lot can change in 9 months.

Same story for mortgage rates. During that time, the average 30yr fixed rate dropped 0.65% only to move back up just as much as of the end of the week. Last week alone accounted for a 0.23% increase for the average lender as hope quickly faded for a quick end to the Iran war.📈🥺

Check the comments for my full weekly newsletter ⬇

Mortgage Rates Jumped Last Week. The Trend Continues Today. ↗️Last week’s newsletter noted an exceptional lack of volati...
05/04/2026

Mortgage Rates Jumped Last Week. The Trend Continues Today. ↗️

Last week’s newsletter noted an exceptional lack of volatility, but the week ended up shifting gears in a noticeable way.

Monday was actually an extension of last week’s ultra-narrow range. It was Tuesday and Wednesday that did all of the week’s damage. The final two days of the week brought rates a hair lower.

Read the whole newsletter and get my video commentary by clicking the link in the comments ⬇

Check out this week's Inside Lending newsletter for in-depth coverage of what's happening in the mortgage and real estat...
04/27/2026

Check out this week's Inside Lending newsletter for in-depth coverage of what's happening in the mortgage and real estate world.

A weekly email detailing the weeks mortgage, real estate and business news.

High rate credit cards got you down? 🥺Want to fix up that bathroom and renovate the house?🛀🏻🚿 Maybe you've got enough eq...
04/17/2026

High rate credit cards got you down? 🥺

Want to fix up that bathroom and renovate the house?🛀🏻🚿

Maybe you've got enough equity in your home to get a HELOC and start building your investment property portfolio or buy that land you've always wanted! 🏘️ 🌳🌳🐿️🦌🚜

If you need cash, we can help!

With traditional cash-out refi products, fixed rate second mortgages, and flexible HELOCs all in our menu of mortgage programs, I can help you find the best mortgage product to access your home's equity.

We lend all over the Southeast!

Call, text, or DM me for more info and a complimentary analysis of your scenario.

📞 912-771-2115
📱 229-942-5570

04/06/2026

If you thought rates jumped last week — they didn’t.

Mortgage rates actually peaked March 27 and have improved since, despite Iran‑related headlines and oil volatility. This past week was much calmer than the last few.

Economic data and inflation still matter, but the panic headlines didn’t tell the full story.

👇 Click the link in the comments for the full blog post

If you're thinking of buying land, a perc test can be one of the most important steps in evaluating the property. What i...
04/02/2026

If you're thinking of buying land, a perc test can be one of the most important steps in evaluating the property. What is a perc test, you ask? Well luckily, my latest blog post tells you all about it! 😁

If you're thinking of buying land in the Southeast, make sure you know what a perc test is, why it's important, and (most importantly), call me to help you get your land loan pre-approved and to the closing table. 📞🏡💰

Check the link in the comments ⬇

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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