5 /5 Cowling Kristen (Team Cowling): Meredith Shave enthusiastically and immediately responded in the affirmative to a text message I sent on a Sunday night asking whether she would have time to meet with my out of state Buyer on Monday before his scheduled flight out on Tuesday morning. During the meeting, Meredith presented several financing options for consideration for his unique situation. Merediths knowledge, experience, professionalism, responsiveness, initiative and integrity instilled confidence that Capital City Home Loans was the right lender for this transaction. Meredith and her team closely communicated with the Buyer and everyone else involved throughout the process and were able to close the loan within 30 days. I am very grateful and highly recommend Meredith Shave, Ben Stephens, Austin Barnhill and Beth Davey at Capital City Home Loans. They know the Amelia Island/Fernandina Beach real estate market!