Capital City Home Loans, Fernandina Beach, FL

As a local agent, I would definitely recommend Meredith and Ben at Capital City Home Loans. They are efficient, easy to work with and great communicators to both their clients and peers!

We had such an amazing experience working with Meredith and her team. During the process we faced a large amount of adversity as the real estate market in the area was very challenging. We felt like the most important customer to them. They stepped up, expedited when we needed it and will be forever grateful for the hard work and kindness. We would highly recommend Meredith and her team to anyone that wants a honest, hard working team on their side.

As a listing agent, when we receive an offer from a buyer with a pre-approval letter from Ben, Meredith, or Bianca with CCHL, we let our seller know that they can rest assured that the loan approval process will be smooth. Excellent communicators, they keep us updated as we move through each step of the loan approval process. They are always available to answer a question, and often report a “clear to close” before the contract deadline. Always a pleasure to work with the CCHL team, regardless of which side of the transaction we are representing! They truly go above and beyond for their clients.

Amazing group of people to work with. Ben was great and helped us find solutions to any issue that popped up! We will definitely be repeat customers!

This is our second time working with Ben Stephens because of our high level of trust in him. He's a true professional and gave us stellar advice along the way. Despite it being a very busy season, he and Beth Davey managed to get all the paperwork pushed through well in advance of our closing date. Ben adds a human touch and made the whole process less stressful. We'd definitely work with him again.

Meredith Shave and Capital City Mortgage was such a delight to work with. They kept in constant contact and let us know what to expect at each point in obtaining a mortgage. Very kind, hometown service. We felt like we were the only ones they were dealing with at the time because they gave us such a great, personable experience! We have gained a friend with Meredith! Thank you!

Thank you Ben for always beting their for our customers. We are grateful to have you and the team as one of our preferred partners. The transaction always goes so smooth and we appreciate it. Thanks again to you and the team at Capital City!

Ben Stephens has helped us with our first home purchase as well as this one. We consider him not only a trusted resource but also a friend. His expertise and personal touch, as well as the knowledge and efficiency of his team made the process extremely easy and straight forward. They kept us up to date through the entire process. Home purchases are a big deal, and I look forward to working w Ben and his team for every single opportunity that comes our way over our lifetime.Thank you CCHL, Ben, and team!