Welcome To Coastal
Living At Its Best

Proudly aligned with Capital City Home Loans

Your Local Lenders

Ben Stephens and Meredith Shave bring decades of mortgage lending expertise and a deep love for the Amelia Island, Fernandina Beach, and Nassau County communities. As fully embedded locals, they are passionate about helping their neighbors secure the best mortgage solutions while making the loan process smooth and stress-free.

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This is what unity looks like. When Realtors collaborate from different brokerages, offering broker open houses for 6 homes in the same community. They worked together for the good of their customers!! We are so thankful to be a part of such an amazing real estate community! #watermansbluff

Successful broker open house!! @ameliaislandlife

Baseball, sunshine and laughter! Here at CCHL we are proud to support our community and pour into the next generation!! Go Emeralds!!! #baberuthbaseball

We love to support a great cause!! Pouring into the young men of our community!

Monday Motivation: This is why we do what we do! Helping customers through the loan process and celebrating with them at the finish line. 🏠🎉

You know us as your local lender, but did you know we can lend across the Southeast?

Full video is on our YouTube page. Find the link in our bio!

New school year, new opportunities! Welcoming back Southside Elementary School faculty and staff with a catered lunch. We are very thankful for all you do for the next generation!

Are you Back-to-school ready? Let us know in the comments! ✏️ ✂️📚

When your loan amount is above $726,200 your loan is considered JUMBO. Capital City Home Loans has one of the best jumbo loan options in the marketplace. Call Ben and Meredith for specific interest rate quotes and to get your questions answered! #jumboloans #mortgage

We took flight tonight! Thank you all for joining us!

Sub Par Putters showing up and showing out at AINCARs annual putt putt tournament ⛳️

Springing into Summer with the AINCAR Expo Beach Bash! ☀️ 🏖️ It’s always a good time when beach balls and realtors are involved!

AINCAR - St. Patrick’s Day Corn Hole Tournament is always a good time!

We are 🍀feeling lucky🍀 today living on this beautiful island and having you as our community.
May the luck of the Irish be with you!

A great way to start the morning, meeting with Berkshire Hathaway realtors at AINCAR. We always love having the opportunity to share updated information and the delicious @greengablesgoodies cinnamon rolls.

We are so thankful for the Amelia Islander featuring us “In the Neighborhood.”
Check out their website to read the full article - Ameliaislander.com OR go to our story in the highlights for the direct link.

A great morning meeting with Coldwell Banker The Amelia Group covering market predictions, portfolio loans and condos!

“Creative Financing Wins Contracts” Event was a hit! Thank you all for coming out!

We hope you enjoyed the “Creative Financing Wins Contracts” event as much as we did! Thank you to everyone who came out to hear from these mortgage specialists. We are grateful for the relationship we have with each one of them and all of you!

Supporting Nassau County’s Education Foundation for the Teacher of the Year Gala. We always love bumping into our local realtors! Thank you to Principal Weber for giving us this opportunity.

Join us! Come out to learn more about how to navigate today’s market, so you can close more homes in 2023! Spots are limited so please RSVP

Office Christmas lunch at Coast was exactly what we needed to get into the holiday spirit 🎄
#ameliateam #capitalcityhomeloans

We are thankful for all of you! Enjoy your day with family, friends, and good food! Happy Thanksgiving!

Thank you everyone who came by to our open house! Thankful for relationships built and time spent together!

Thank you to all of our Veterans who have served this country. We are forever grateful.

If you are interested in a lower rate give us a call for details.
📞(904) 301-4492
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#AINCAR #localrealtors #amelialending

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Our Services

At Amelia Lending, we go beyond offering loans—we craft personalized mortgage plans designed to help you achieve your goals. Our team listens to your needs and uses decades of experience to guide you smoothly through every step of the process. Explore our services to discover how we can support your journey to homeownership.

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Residential Property Financing

Whether it's your primary home, second home, or an investment property, we offer loan solutions to fit your unique situation and future plans.

Condominium
Financing

We provide tailored loan solutions to meet the unique requirements of condominium purchases.

Construction & Renovation Loans

From buying land to renovating or building your dream home, we provide flexible construction and renovation loan options.

Jumbo & Specialty
Loans

For higher loan amounts or unique circumstances, our jumbo and portfolio loans are designed to meet nuanced financial needs.

Serving Florida, Georgia & the South East

Ready to Get Started on Your Home Loan?

The Amelia Lending team is here to guide you every step of the way. With our personalized approach and deep community roots, we make the mortgage process simple and stress-free.

Let’s take the first step toward your dream home together!

Apply with Ben

Apply with Meredith

Welcome To Coastal Living At Its Best