Stephen Moreno
Mortgage Consultant AVP Sales Manager
NMLS #761190
Capital City Home Loans, LLC
NMLS #75615
621 Ocean Blvd
Saint Simons Island, GA 31522
Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Not all borrowers will qualify. Use of the data is at the user's sole risk. This chart is for illustrative purposes only. This is not a commitment to lend. Not all borrowers will qualify. These are the current national mortgage rates on popular loan products. Rates shown are not available in all states or to all borrowers.
This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
This is not a commitment to lend. Not all borrowers will qualify. This is for illustrative purposes only and estimates are based on information you provided. Interest rates, mortgage insurance rates, and programs are subject to credit approval and available rates and terms will vary, sometimes drastically, based on borrower eligibility and program selected. For accurate interest rates and mortgage insurance rates please contact your mortgage consultant. For illustrative purposes FHA/VA and USDA loan amounts will include an estimate for the financed upfront MI amount.
Stephen Moreno
Mortgage Consultant AVP Sales Manager
NMLS #761190
Capital City Home Loans, LLC
NMLS #75615
621 Ocean Blvd
Saint Simons Island, GA 31522
You can afford $300,000
Your Monthly Payment: $667/month
Total Loan Amount: $240,000
Total Amount Paid: $240,000
Estimated insurance needed: $667/month
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Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend. Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.
Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down payment). Discount point have varied and can be found on www.freddiemac.com. These mortgage averages are for loans in 1st Lien Position. The historical Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.
BackStephen Moreno is a mortgage loan officer on Saint Simons Island and is a native of the Golden Isles of Georgia. Stephen focuses on originating mortgages in Brunswick, St. Simons, Jekyll Island, Sea Island and the Americus and Albany areas of Southwest Georgia. He is licensed through BrandMortgage to originate mortgages in Alabama, Florida, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Tennessee and Virginia.
Stephen spent many of his formative years in Americus, Georgia where he graduated from Americus High School and Georgia Southwestern State University. There, he became a member of the Sigma Chi Fraternity and was also involved in many other student organizations in addition to earning his Bachelors of Business Administration. After graduation, Stephen began his career in customer service and sales and returned to the Saint Simons area. His banking career began as a teller and has since included personal banking, home equity lending, branch management and mortgage lending.
Stephen’s focus and dedication to customer service and client relations and his knowledge of the mortgage and banking industry make him uniquely qualified to handle everything from first-time home purchases to multi-million dollar second homes and investment properties. Few things provide Stephen the satisfaction he finds in helping people get into the homes of their dreams and achieve financial success.
Stephen was recognized as a 2014 Rising Star for BrandMortgage and is a member of the Board of Management for the Golden Isles YMCA, serves on multiple committees with the Golden Isles Association of Realtors and is an active member of the Brunswick-Golden Isles Chamber of Commerce. Call him today for your free mortgage analysis.
DISCLAIMER
You are going to a 3rd party website and there is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your mortgage consultant.
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Stephen Moreno
Mortgage Consultant AVP Sales Manager
NMLS #761190
Capital City Home Loans, LLC
NMLS #75615
621 Ocean Blvd
Saint Simons Island, GA 31522
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