skip to Main Content

Saint Simons Mortgage
Buy. Build. Refi.

Stephen Moreno is a mortgage consultant with Capital City Home Loans serving Brunswick, The Golden Isles, and the Southeast from the heart of the village on Saint Simons Island. Learn how we’ll help customize the ideal mortgage solution for you.

Expert Mortgage Guidance Customized for You
Stephen Moreno - Mortgage Consultant
Stephen Moreno - Mortgage Consultant

Since 2013, my team and I have been serving our clients through Capital City Home Loans on Saint Simons Island. We offer mortgages in all of Georgia and most of the Southeastern United States. We are ready to serve you and your family whether you’re a first-time homebuyer, Golden Isles local, a new transfer to FLETC, or looking for a second home or an investment property.

When you need to Buy, Build, or Refinance, we have the right home loan program. Our menu of loan products is expansive and covers a multitude of mortgage needs. We are a one-stop-shop for purchases, refinances, second mortgages, construction-perm loans, land loans, and just about any residential mortgage product you need.

The housing market on Saint Simons Island is constantly changing, but we’re embedded in the Golden Isles community. My team and I will help you navigate the homebuying process with the ideal financing solution and connect you with real estate professionals who know our market.

I am licensed in Georgia, Florida, Alabama, Tennessee, South Carolina, North Carolina, and Virginia. With our suite of online systems and network of appraisers and title attorneys, we can help you just about anywhere in the Southeast.

Client Resources

Empower yourself with mortgage knowledge and find valuable resources and insights in the links below. Learn more about Capital City Home Loans, see our loan programs, and request a free consultation.

No Obligation.
No Credit Check.

Whether you are a first-time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

My team and I pride ourselves on excellent communication and easy accessibility when you need us. My experienced staff and I are here to guide you every step of the way.

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

All-in-One Solution

Our Loan Process...


A loan pre-approval sets you up for a smooth home buying experience.


Start working with a real estate agent and viewing homes.


We’ll help you gather the documents needed to get your loan file through underwriting.


Assemble all the necessary paperwork and details for the underwriter.


They closely evaluate all the documentation in the loan package.


Documents are drawn and sent to the title company for closing.

Our clients are the foundation of our success.

Read Our Reviews

Client reviews from around the internet.

Our Local Service Areas

I am licensed to originate mortgages all over Georgia, Alabama, Florida, South Carolina, North Carolina, Tennessee, & Virginia, but my team and I focus on Southeast Georgia.

Back To Top