Scott Moraine Mayor of Mortgagetown NMLS 668045

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Scott Moraine Mayor of Mortgagetown  NMLS 668045 Area Sales Manager at First Colony Mortgage NMLS ID: 668045

There’s more to Las Vegas than bright lights and the Strip! 🏜️🥾From the stunning red rocks to the cooler mountain trails...
10/20/2026

There’s more to Las Vegas than bright lights and the Strip! 🏜️🥾

From the stunning red rocks to the cooler mountain trails, Las Vegas has some incredible hiking spots worth exploring!

Whether you’re looking for a weekend adventure, breathtaking views, or just a reason to get outside and enjoy the cooler weather, there’s a trail for everyone.

One of the best parts about living in Las Vegas is having all of this right in our backyard!

Thinking about making Las Vegas home? I’d love to help you explore your home financing options!

Scott Moraine | Branch Manager
First Colony Mortgage
📞 702-510-7859
📧 [email protected]
NMLS #668045

FirstColonyMortgage

🏡 MYTH: All pre-approvals are created equal.TRUTH: Not all pre-approvals carry the same weight!Some lenders issue pre-ap...
10/16/2026

🏡 MYTH: All pre-approvals are created equal.

TRUTH: Not all pre-approvals carry the same weight!

Some lenders issue pre-approvals based on information provided by the buyer, while others take the extra steps to verify income, assets, employment, and credit upfront.

Why does this matter? A stronger pre-approval can make your offer more competitive, give sellers greater confidence, and help avoid unexpected surprises during the loan process.

Buying a home is a big decision, and having the right lender in your corner makes all the difference!

Ready to take the first step toward homeownership? Let’s talk!

Scott Moraine | Branch Manager
First Colony Mortgage

📞 702-510-7859
📧 [email protected]⁠

NMLS # 668045

LasVegasRealEstate

Today, we recognize and honor the history, cultures, and contributions of Indigenous peoples across our nation. 🧡Indigen...
10/12/2026

Today, we recognize and honor the history, cultures, and contributions of Indigenous peoples across our nation. 🧡

Indigenous Peoples’ Day is an opportunity to reflect, celebrate the traditions that continue to shape our communities, and acknowledge the lasting impact of Native American communities.

Today and every day, we honor their heritage, resilience, and contributions.

🛍️☕ SHOP LOCAL, LAS VEGAS! 🤎Looking for something to do this weekend? Skip the usual spots and show some love to the ama...
10/10/2026

🛍️☕ SHOP LOCAL, LAS VEGAS! 🤎

Looking for something to do this weekend? Skip the usual spots and show some love to the amazing small businesses that make our city so special!

From cute coffee shops and local bakeries to bookstores and unique boutiques, Las Vegas has SO many hidden gems worth checking out. ✨

📍 6 local favorites to add to your list:
☕ Vesta Coffee Roasters
📚 The Writer’s Block
🛍️ Akin Cooperative
🥐 1228 Main
☕ Gäbi Coffee & Bakery
🎨 Recycled Propaganda

Supporting local means supporting our neighbors, their dreams, and the community we call home. ❤️

💬 What’s your favorite locally owned business in Las Vegas? Drop it in the comments! I’m always looking for new places to check out!

MYTH: Medical collections mean you can’t buy a home. ❌🏡TRUTH: Medical debt is treated differently than many other types ...
10/07/2026

MYTH: Medical collections mean you can’t buy a home. ❌🏡

TRUTH: Medical debt is treated differently than many other types of debt when it comes to qualifying for a mortgage.

So if medical bills are sitting on your credit report, don’t automatically assume homeownership is off the table.

Every loan and every situation is different — the best thing you can do is have a lender actually look at the full picture before counting yourself out.

You might be closer to buying a home than you think. 👀

📲 Let’s talk and see what your options look like.

🎃 October in Las Vegas is officially here!Cooler weather, Halloween events, fall hikes, getting the house ready for the ...
10/02/2026

🎃 October in Las Vegas is officially here!

Cooler weather, Halloween events, fall hikes, getting the house ready for the season…and of course, a mortgage market that decided to keep things interesting. 😂

This month’s newsletter has a little bit of everything:

👻 Family-friendly Halloween fun around Vegas
🥾 Easy fall hikes for the whole family
🏡 5 ways to get your home fall-ready
🌮 A spooky recipe to try
📈 My October housing + mortgage update
💰 And the big question I’m getting right now: Is it a good time to refinance?

Whether you’re thinking about buying, refinancing, or you just want to know what the heck is happening with rates right now, I’m always happy to talk through the numbers with you.

No pressure. No confusing mortgage speak. Just a real conversation about what makes sense for you.

Scott Moraine | Mortgage Lender
📲 702.510.7859
📧 [email protected]

Happy October, Vegas! 🎃🍂🏡

Your house might be doing more for you than you realize. 🏡Every mortgage payment you make is helping build equity — and ...
09/25/2026

Your house might be doing more for you than you realize. 🏡

Every mortgage payment you make is helping build equity — and over time, that equity can give you options.

Renovations. Emergencies. Future investments. Or simply more financial flexibility.

You’re already making the payment. You might as well understand what it’s building for you. 👊

Want to know where you stand with your home equity? Shoot me a message and let’s take a look.

Looking for something to do this weekend in Las Vegas? 🎰✨September 18–20 is PACKED with concerts, festivals, shows, pool...
09/17/2026

Looking for something to do this weekend in Las Vegas? 🎰✨

September 18–20 is PACKED with concerts, festivals, shows, pool days, family fun + plenty of reasons to get out of the house. 🌴🎶

Swipe through for what’s happening each day and save this for your weekend plans! 💕

📍 Las Vegas
📅 September 18–20

Which one are you going to?! 👀

09/15/2026

Celebrating National Grilled Cheese Day the only way we know how… with the important things in life: good food and even better company. 🧀😂

Whether you like yours classic or loaded with all the extras, today is your excuse to grab a grilled cheese and enjoy.

Happy National Grilled Cheese Day! 🥪

One of the most common questions we get: “How long does this take?”Typically, the mortgage process takes 30-45 days from...
09/15/2026

One of the most common questions we get: “How long does this take?”

Typically, the mortgage process takes 30-45 days from application to close - but it depends on a few things, like your loan type, how quickly documents come back, and appraisal scheduling.

Here’s a rough timeline so you know what to expect:
Pre-approval: 1-3 days
Processing & underwriting: 2-3 weeks
Appraisal: 1-2 weeks
Clear to close + closing day

We keep you informed at every step. No surprises.

Address

8751 W. Charleston Boulevard Ste 220
Las Vegas, NV
89117

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