Meet Your Lenders
Welcome to the Neighborhood
Amelia Lending is deeply rooted in the Amelia Island, Fernandina Beach, and Nassau County communities. Founders Meredith and Ben are proud to call this beautiful area home, with Meredith being a lifelong local and Ben a transplant from Georgia.
Their love for the community inspired them to join forces in 2009, combining years of experience and a shared commitment to serving their neighbors with integrity and care. Today, alongside their talented team and proud associates of Capital City Home Loans, they continue to provide personalized mortgage solutions while remaining fully embedded in the place they cherish.
Amelia Lending is more than a business—it's a part of the community it serves.
As a listing agent, when we receive an offer from a buyer with a pre-approval letter from Ben, Meredith, 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.
Jessica M.
The professional expertise provided by Ben Stephens is of the highest caliber. This expertise, together with his high moral character and integrity, is the exact reason he has financed my last five real estate transactions. The level of service received from Ben and the team is a first-class experience. From origination to closing, Ben, Meredith, Beth and Austin, make the entire process seamless and transparent. Well done!
Walt C.
This was our first experience with buying a home in Florida, so the guidance we received through every step of the process was greatly appreciated. Every question was answered in a very timely manner and the process moved along smoothly. We would definitely recommend using Capital City Home Loans.
Bethany P.
Our Team
Austin Barnhill
