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Nancy Buchanan Mortgage - First Colony Mortgage - NMLS #983686

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Roseville, CA
Nancy Buchanan Mortgage - First Colony Mortgage - NMLS #983686

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Nancy Buchanan, NMLS # 983686
Mortgage Loan Originator
First Colony Mortgage
Trusted by homebuyers and agents alike for over 25 years. Honest advice.

Smooth closings. Happy clients. Nancy Buchanan, NMLS # 983686
Mortgage Loan Originator
Clear Modern Mortgage, a division of American Pacific Mortgage Corporation NMLS #1850 EHO AZ BK 0906702 CA Licensed by the Dept of Financial Protection and Innovation under the CRMLA www.nmlsconsumeraccess.org

09/25/2026

That builder rate looks great. Here’s what it doesn’t show you. 👀
We compared 10100 Crescent Mesa Lane in Summerlin to a similarly priced new build in 89138:
💵 A builder rate incentive is usually paid for in the price, and many are temporary buydowns that step up after a year or two.
🏡 Property taxes here are about $819 a month lower, for as long as you own the home.
🏊 A new build at this price usually doesn’t come with a pool, landscaping or window coverings. That’s six figures after closing, often on a HELOC or pool loan at a higher rate.
This one already has all of it, including a new pool and spa and over $600,000 in recent renovations.
Want the side-by-side for your situation? DM HELP.
4 bed | 5 bath | 4,239 sq ft | $1,888,000
Listed by Judie Woods, Realty Executives of Southern Nevada
Nancy Buchanan | NMLS #983686 | First Colony Mortgage NMLS #3112 | Equal Housing Opportunity
LuxuryHomesLasVegas

09/25/2026

Before you choose between a new build and a resale here in Las Vegas, compare these:

🏠 Property taxes. New construction is often taxed around 1% of the price each year. A resale keeps its capped tax history, so the bill is often much lower.

📈 The year-two jump. Many new homes are taxed mostly on the land in year one. When the full bill shows up, so does a higher payment.

🪟 Finishing costs. Window coverings, backyard landscaping, a patio cover and appliances can add up fast, and they’re usually paid in cash after closing.

💵 The incentive. It’s often built into the price and tied to the builder’s lender. Resale sellers can offer credits and buydowns too, and you pick your lender.

New homes have real perks, and sometimes they’re the right fit. The best decision comes from putting both homes side by side with real numbers.

Looking at a new build and a resale? Send me both addresses and I’ll run the comparison for you. 📲 702-460-7086

Nancy Buchanan | Mortgage Loan Officer | NMLS #983686
First Colony Mortgage | NMLS #3112 | Equal Housing Opportunity

06/28/2026

Thunderbird flyover in Summerlin.

06/28/2026

06/11/2026

Rates aren’t one-size-fits-all. The better question is what rate fits your budget, credit profile, and long-term goals. Sometimes structure matters more than the headline number. Want to see what works for you? DM me and I can walk you through options.
https://myoc.io/Nancy

NMLS # 983686

06/09/2026

The 𝐛𝐞𝐬𝐭 rate is not always the lowest rate. It is the one that fits your overall plan. A rate is only part of the story, and structure, timing, and long-term goals matter just as much. If you want to look at the full picture, message me.
https://myoc.io/Nancy

NMLS # 983686

06/04/2026

Owning a home can create opportunities that go far beyond simply having a place to live. For many homeowners, home equity can become a powerful financial tool that may help support goals like:
✔ Home renovations
✔ Education expenses
✔ Debt consolidation
✔ Emergency reserves
✔ Real estate investing opportunities
But homeownership is about more than finances, too. It’s about creating stability, building memories, putting down roots, and investing in your future.
For 30 years, we have proudly helped individuals and families build brighter futures through homeownership.
Whether you’re a current homeowner looking to make your next move or just beginning your homeownership journey, let's connect today to explore your options.
https://myoc.io/Nancy

NMLS # 983686

06/02/2026

Your mortgage should evolve with your life. You do not have to keep the same loan forever. Knowing your options and having a plan can help you adjust as your goals change. If you want to explore what that could look like, message me.
https://myoc.io/Nancy

NMLS # 983686

05/28/2026

Rates will change. They always do.
But trying to time the market perfectly?
That’s not a strategy.

Having a plan is.
https://myoc.io/Nancy

NMLS # 983686

Address

3000 Lava Ridge Court Suite 200
Roseville, CA
95661

Telephone

+17024607086

Website

facebook.com

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