I am a residential real estate loan officer with 25 years in the industry and thousands of closed loans. My #1 goal is to close loans on time with happy clients, while educating along the way where needed. My process emphasizes a personal touch with excellent communication, and easy access to me during and after the loan transaction. I work with first time buyers as well as experienced loan veterans . I have always worked by referral only, so my happy clients are the foundation of my business. In today's lending world, you need someone that knows how to 1. find you the best loan terms for your scenario 2. navigate the sometimes tricky loan process 3. keep you informed 4. values your time and 5. can do it in a friendly team orientated manner. Let me be your guide and get your loan closed on time and with a smile. Please read the reviews on this page ..I am very proud of them and they will give you some insight as to how my clients feel about working with me.
About Me
Sr. Loan Officer
Answer Home Loans
NMLS 230206
Pinned Recommendation
CG
Working with Brady Setzer was one of the best decisions my wife and I made during our home‑buying journey. Brady was far more than just our mortgage broker—he was a true partner who guided us through the entire process from start to finish. He took the time to explain every detail clearly, made sure we always knew what to expect, and kept us from ever feeling overwhelmed or caught off guard.
What really stood out was how personal and genuine his support felt. Brady operates with the heart of a friend, not just a business partner. His guidance made buying a home feel surprisingly stress‑free, and we always felt confident that we were in great hands.
We cannot recommend his partnership enough. If you’re thinking about buying a home, start with Brady—you’ll be grateful you did.
What really stood out was how personal and genuine his support felt. Brady operates with the heart of a friend, not just a business partner. His guidance made buying a home feel surprisingly stress‑free, and we always felt confident that we were in great hands.
We cannot recommend his partnership enough. If you’re thinking about buying a home, start with Brady—you’ll be grateful you did.
DF
As a real estate agent, I truly appreciate working with loan professionals who are reliable, communicative, and dedicated to getting the job done—and they exceeded my expectations. Brady kept everyone informed throughout the transaction, worked diligently to ensure everything stayed on schedule, and made the financing process smooth for our clients. Brady's professionalism, knowledge, and responsiveness makes him a trusted lending partner. I look forward to working together again and highly recommend them to both clients and fellow real estate professionals.
ER
Brady was amazing help throughout the entire home buying process. First time my wife and I talked to Brady was almost a year before we put an offer on a home and he kept notes on everything we talked about the whole process. He was very diligent and efficient at his job. As first time homebuyers we did not know anything and Brady talked us through things and explained everything giving us tips along the way. I would recommend brady to anyone buying a home!
AD
This is not the first time I’ve had the pleasure of working with Brad and his wonderful team. As expected, they set clear expectations from the start, kept me informed of any upcoming changes, and stayed on top of all the moving parts throughout the transaction. It’s always refreshing to work with loan officers who genuinely care about their clients and have their best interests at heart. That commitment truly shows in how Brad shows up and the thoughtful questions he asks.
JS
Brady is the best lender I've worked with by far. He moved quickly and kept me up to date every step of the way. He goes the extra mile to make sure I understood all of the details and even made a personalized video walk through of the documents explaining everything. He is proactive, very experienced and knowledgeable of the larger market trends, and customer service is top notch. Would rate more than 5 stars if I could!
BR
Brady was outstanding to work with on a recent transaction. He cleared our mutual client’s loan to close in just 6 days, which is incredibly impressive in today’s lending environment. His communication was excellent throughout the process, he stayed on top of every detail, and delivered exactly what he promised.
If you’re looking for a lender who is fast, professional, and reliable, I highly recommend Brady. He helped make the transaction smooth and stress-free for everyone involved. Looking forward to working together again! You Rock Brady!
If you’re looking for a lender who is fast, professional, and reliable, I highly recommend Brady. He helped make the transaction smooth and stress-free for everyone involved. Looking forward to working together again! You Rock Brady!
JS
We had a fantastic experience working with Brady for our home loan financing. He was incredibly responsive, communicative at every stage, and helped move the entire process along quickly and smoothly. We really appreciated how he went above and beyond to help us understand the process and feel confident every step of the way.
Brady secured us a great rate and was consistently supportive throughout the journey as we worked to secure our forever home. We truly felt like he was in our corner the whole time. Highly recommend!
Brady secured us a great rate and was consistently supportive throughout the journey as we worked to secure our forever home. We truly felt like he was in our corner the whole time. Highly recommend!
RA
Brady Setzer was chosen by our real estate agent, Nate Augustine
to push through the fastest closing possible for our new home
purchase in Orangevale, Ca.
We were absolutely amazed by the way Brady handled our
mortgage applications and documentations required to finalize a
closing date for this purchase.
He was on the phone with us constantly to resolve all issues with
the paperwork that kept coming up with credit reports, history of
employment, bank account verifications, and any last minute
documentation or signatures required to complete this fully
complicated loan procedure.
This is not your old time grandparent's or parent's simple way of
conducting business anymore with just a handshake and a few
signatures or promises with your friends at your local bank or
lending institution. This process has evolved into a very serious
set of financial and provable set of circumstances that require
the utmost of professional expertise to guide you through these
unpredictable shark infested waters.
Brady was not only our guide through these treacherous waters,
but a true friend and companion in protecting us through this
truly complicated ordeal. You would be very wise to connect with
Brady for any future mortgage transactions you may be thinking
about for you or your family. It's so great to have someone to
actually trust in.
Bob, Malyn & Heather Wilson
( new residents of Orangevale, Ca. )
to push through the fastest closing possible for our new home
purchase in Orangevale, Ca.
We were absolutely amazed by the way Brady handled our
mortgage applications and documentations required to finalize a
closing date for this purchase.
He was on the phone with us constantly to resolve all issues with
the paperwork that kept coming up with credit reports, history of
employment, bank account verifications, and any last minute
documentation or signatures required to complete this fully
complicated loan procedure.
This is not your old time grandparent's or parent's simple way of
conducting business anymore with just a handshake and a few
signatures or promises with your friends at your local bank or
lending institution. This process has evolved into a very serious
set of financial and provable set of circumstances that require
the utmost of professional expertise to guide you through these
unpredictable shark infested waters.
Brady was not only our guide through these treacherous waters,
but a true friend and companion in protecting us through this
truly complicated ordeal. You would be very wise to connect with
Brady for any future mortgage transactions you may be thinking
about for you or your family. It's so great to have someone to
actually trust in.
Bob, Malyn & Heather Wilson
( new residents of Orangevale, Ca. )
SM
Brady is amazing he has helped us out several times. He make the process easy. He looks for the best solution that fits our needs. We would highly recommend him.
SR
Brady was great, He helped me refinance and take some money out to remodel my home. I felt like i was in good hands the whole time. I was happy to have his experience and knowledge on my side and I would totally recommend him to anyone looking for lending help.
CL
I have been working with Brady for at least 15 years now. He has made complicated situations easy and walks me through the process step by step each time. I have no doubt that when I sell, refinance or buy another property, I will call Brady.
JS
Brady was great to work with. He was excellent at guiding me through the process. I am older and not good with technology and he took the time to come to my house, explain the whole process and held my hand every step of the way. It was an absolute pleasure working with such a polite and professional lender
Brady was incredible, as always! He made the entire home-buying process seamless for our clients—from pre-approval all the way through closing escrow. The transaction was smooth from start to finish, and everyone involved had a great experience. Highly recommend! Looking forward to working together on many more loans to come
MR
Brady was great at keeping me focused he stayed on top of his job and helped me out with every step
LH
I had a great experience working with Brady from start to finish during a recent transaction we worked on together. Communication was clear, consistent, and proactive, which made the entire process smooth for both my clients and me. We were kept informed every step of the way, and there were no surprises—just solid follow-through and professionalism. Most importantly, we closed on time! I truly appreciate his reliability and teamwork and would gladly work with him again on future transactions.
PD
Brady was incredibly helpful in getting my mortgage sorted out. He secured me an excellent interest rate and worked tirelessly to get me (a federal employee) approved for a home loan during a government shutdown. He stayed in close contact with my realtor—sometimes daily—to make sure everything stayed on track and to stay ahead of any issues.
As someone new to the area, I really appreciated that he also connected us with great local resources for insurance, appraisers, and more. That made a huge difference.
I’d recommend Brady to anyone looking for a mortgage, especially first-time buyers. His knowledge, communication, and willingness to help were invaluable.
As someone new to the area, I really appreciated that he also connected us with great local resources for insurance, appraisers, and more. That made a huge difference.
I’d recommend Brady to anyone looking for a mortgage, especially first-time buyers. His knowledge, communication, and willingness to help were invaluable.
DT
Brady was my guy for my for my first home and the process could not have been smoother. When it became time to consider my first refinance, there was only one person I was going to feel comfortable with and that was Brady. He kept me appraised of the current market conditions, when it might be favorable to refinance and all the ramifications of the change. As with my previous experience, he was always accessible, knowledgeable and willing to explain concepts I found confusing. I can't rate Brady high enough, I would recommend to anybody who needs help with loans, without reservation,
I couldn’t have asked for a better lending partner to help me during my first home purchase. I’m a single mom with a very busy schedule and he made sure to do all the heavy lifting of explaining the entire process, next steps, etc. Speaking with friends of mine, it’s clear that Brady is an above and beyond type of person who’s passionate about his career. Never felt like I wasn’t in good hands.
TC
Haven’t had a chance to work with Brady in awhile but I’m sure glad it worked out this time. As always his communication, service to the client and steady eye on teamwork helped make the transaction a breeze. He helped our first-time homebuyer client navigate the waters with confidence. Super smooth escrow with no issues.
AD
Brady was really easy to work with. This was our first transaction together, but we seemed to have a really good connection and seamless flow. Really looking forward to continuing to work with Brady in the future!
T
Brady makes navigating the mortgage process easy! He helped us during our original purchase, gave us a dynamite recommendation on a buy down. Then kept us in the loop on rates till it was the right time to refinance. Definitely recommend!
SB
Brady was a pleasure to work with. He Lead us through the process and clearly knew how to anticipate and mitigate problems. He was always available (seriously i don't know when he sleeps) and did a great job of clarifying the process. On a personal note, he's just a darn nice guy and really easy to work with. We will definitely link up again next time we are in the market
NA
Brady does an amazing job each and every time we team up. Gets the loan done, quickly, informs my buyers as well as myself along the way. Top notch professionalism. highly recommend.
SB
Brady was amazing and very hands on during my first home purchase. I had tried working with another large, well known company, but they weren't able to offer the rates or the service that Brady could. I love my new home and have Brady to thank for that.
MH
Just wrapped up a deal with Brady, and he was fantastic! Super organized, always on top of things, and kept everyone informed every step of the way. Working together was a breeze—highly recommend Brady for a smooth and stress-free experience!
