Scott Moraine at Clear Modern Mortgage NMLS 668045

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Scott Moraine at Clear Modern Mortgage NMLS 668045

Area Sales Manager at Clear Modern Mortgage NMLS ID: 668045

06/10/2026

June in Vegas ☀️🏡

New month, new newsletter! This month we’re talking summer in Las Vegas — from family activities and local ice cream spots to summer safety tips and one of the biggest myths in real estate 👀

Plus, why choosing the RIGHT mortgage lender matters more than ever in today’s market.

As always, thank you for following along and trusting me to be part of your homeownership journey! 🏡

06/02/2026

How much equity do you actually need to do a cash-out refinance? 💰🏡

Scott breaks down one of the most common questions homeowners ask — how much equity you need, what lenders are looking for, and how a cash-out refinance could help you use the equity you’ve built in your home.

Whether you’re thinking about paying off debt, funding renovations, or just exploring your options, this is one of those things every homeowner should understand 👏

Drop your questions below ⬇️

05/26/2026

💰 “What’s the minimum down payment for an FHA loan?”

We’re answering that in today’s video 👏🏼🏡

A lot of buyers are surprised to learn you don’t always need a huge down payment to become a homeowner. FHA loans can be a great option for first-time buyers, buyers rebuilding credit, or anyone looking for more flexible loan options.

In this video, we break down:
✔️ Minimum FHA down payment requirements
✔️ What affects the amount needed
✔️ Common myths about buying a home
✔️ What buyers should know before starting the process

Questions about buying a home? Let’s chat 📲

05/25/2026

Today we remember the heroes who gave everything for our freedom. 🇺🇸

Memorial Day isn’t just about a long weekend — it’s about honoring the brave men and women who made the ultimate sacrifice so we could live the lives we do today. Their courage, service, and legacy will never be forgotten.

As you spend time with family, fire up the grill, or enjoy the extra day off, take a moment to remember why today matters. ❤️🤍💙

Forever grateful for those who gave all.
— Scott Moraine

MemorialDayWeekend

05/19/2026

Does FHA mortgage insurance ever go away… or are you stuck with it forever? 👀🏡

One of the biggest questions I get from buyers using FHA loans is about mortgage insurance — when it drops off, if it drops off, and what your options are later on.

In this video, Scott Moraine breaks down:
• when FHA mortgage insurance can be removed
• when it stays for the life of the loan
• and how refinancing could change your payment later on

A lot of people hear “FHA” and immediately think it’s a bad thing… but honestly, FHA helps a LOT of buyers become homeowners sooner. You just need to understand how it works. 👏

Questions about buying, refinancing, or loan options? Let’s talk. 📲

MovementMortgage MortgageLender RealEstateEducation HomeLoans FirstTimeHomeBuyer

05/10/2026

Happy Mother’s Day to all the moms out there holding it all together with coffee, chaos, love, and probably a group chat keeping the family alive 😂💐

Today we celebrate the women who make houses feel like home, turn hard days into safe places, and somehow always know exactly what we need.

To the dance moms, working moms, stay-at-home moms, bonus moms, dog moms, grandmas, moms trying to become moms, and the moms carrying the love of children they’ve lost…today is for you too. 🤍

Mother’s Day can hold a lot of joy, but it can also hold grief, longing, healing, and memories. No matter what today looks like for you, your love matters and your story matters.

Thank you for all the love you pour into this world every single day. 💐

ScottMoraine MortgageLife

05/05/2026

Cinco de Mayo hits different when you realize owning a home > renting forever 🌮🏡
Celebrate freedom, good vibes, and maybe locking in a better rate 😉
If buying a home is on your 2026 bingo card… I’m your guy.

05/04/2026

May the 4th be with you ✨
In a galaxy full of confusing loan options… I help you choose the right path.

No dark side lending over here — just clear numbers, smart strategy, and smooth closings.

04/21/2026

Happy National Bunion Day 🦶

Between meetings, events, and running deals… being a lender still means you’re on your feet more than people think 😅

Take care of them—they’re working just as hard as you are.

Address

3000 Lava Ridge Court Ste 200
Roseville, CA
95661

Telephone

+17026598735

Website

http://scottmoraine.com/

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