Scott Moraine
SVP of Strategic Growth/ Regional Manager
Over the past 15 years, I’ve built a successful mortgage career as a producer, hired and trained top talent, and managed large groups of mortgage professionals to their own successes. My Wife, of 25 years, Brenda and I have lived in Las Vegas Nevada since 1995. We love spending time giving back to our community and have a philanthropic heart to our refugees. Disrupting the market with innovation and focus is why I joined Guaranteed Rate. I love working for a company with a vision and passion, making everything about 'people first'. Are you ready to be at your best? Then join the best team. Give me a call today to learn about the opportunities at Guaranteed Rate!
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The Best Mortgage Experience
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Recent reviews
What people are saying
"Because everything is quick and easy."
Arshad Y. - Las Vegas NV | Jul 2022
"Awesome experience. Easy flow from start to end"
Dominic G. - Las Vegas NV | Jul 2022
"Scott was amazing! He kept us informed throughout the whole process and answered all of our questions. He took the time to run all the scenarios to see what would work best for us. Scott stayed on top of this file and made sure that we closed timely given our time restraints. All around a smooth transaction."
Jodi C. - Las Vegas NV | Jun 2022
"Very Friendly, professional and from start to finish my loan only took 11 work day to sign my loan documents."
Teresa G. - Las Vegas NV | May 2022
"Scott Moraine and the entire team are very easy to work with and are more than patient with answering any questions I had during the process."
Anthony A. - Las Vegas NV | Feb 2022
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
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Today's rates
| Loan type | Rate | APR | Discount points ($) | Mo. payment |
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.
Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
One discount points equals one percent of your loan amount.
Some jumbo loan options may not be available to first-time home buyers.
We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.
Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.
Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
VA
If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.
Adjustable Rate Mortgage (ARMs)
Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.