Ben Stephens went above and beyond to figure out how to meet the needs of my financial situation to make this
home purchase happen. I am now moving closer to my first grandchild coming in June and am forever grateful!
Esther H.
Ben went above and beyond on this one, as he always does, but this was a very special friend of mine that had some very special circumstances to work with. He saved the day and got her a better rate, lower closing costs and lower down payment, which was much needed!! Way to go, Ben!
Jackie D
We have used Capital City Home Loans for two home loans now and each experience has been seamless and stress free. Ben and Beth are a great team! They each were quick to respond when we had any questions, they
were flexible on closing dates and were able to work with us to speed things up. Buying/selling/moving is extremely stressful, but with this team they do their best to make the process as easy as possible. I will continue to refer friends and family to Capital City!
Michelle P.
Ben Stephens
Ben Stephens found his calling in mortgage lending in 1993, blending his financial education with the hands-on experience of growing up in a family-owned grocery business in small-town Georgia. He spent his early career in Atlanta as a loan originator and branch manager before moving to Fernandina Beach in 2002.
Tasked with opening the North Florida market for an Atlanta-based company, Ben and his wife Jennie chose to settle in Fernandina, making it the perfect home for their growing family.
Ben is deeply involved in the community, serving in the lay ministry of St. Peter’s Episcopal Church. While he admits he isn’t much of a singer, he is passionate about tennis, kayaking, and spending quality time with his children and grandchildren.
Ben’s dedication to his community extends beyond his personal interests—he is also an active member of the Amelia Island Nassau County Association of Realtors, the Northeast Florida Builders Association, and has played leadership roles in various civic and youth sports organizations.
MLO NMLS # 640473
