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
Over my 36 years in real estate, I've worked with countless lenders, and I can honestly say that Brady stands out as one of the best. From the very beginning, he was proactive, knowledgeable, and an exceptional communicator. Every step of the transaction was handled with professionalism and efficiency, keeping everyone informed and on track.
Our transaction closed WAY ahead of schedule, and based on how organized Brady was, I'm confident he could have closed the loan in as little as 7 days if needed. That's a rare level of preparation and execution in today's lending environment.
Most importantly, Brady took outstanding care of our mutual buyer. He was responsive, answered questions thoroughly, and inspired confidence throughout the entire process. It's refreshing to work with a lender who truly knows his craft and delivers on every promise.
I would not hesitate to recommend Brady to anyone looking for a lender who is knowledgeable, dependable, and committed to providing exceptional service!
Our transaction closed WAY ahead of schedule, and based on how organized Brady was, I'm confident he could have closed the loan in as little as 7 days if needed. That's a rare level of preparation and execution in today's lending environment.
Most importantly, Brady took outstanding care of our mutual buyer. He was responsive, answered questions thoroughly, and inspired confidence throughout the entire process. It's refreshing to work with a lender who truly knows his craft and delivers on every promise.
I would not hesitate to recommend Brady to anyone looking for a lender who is knowledgeable, dependable, and committed to providing exceptional service!
I have had the pleasure of working with Brady Setzer on two deals recently, as well as several others in the past. Brady is always quick to respond, maintains a pleasant demeanor, and consistently gets the job done.
I highly recommend working with Brady—you can't go wrong!
EU
Brady came highly recommended by my realtor, Nate Augustine, and I’m grateful for his help throughout the home-buying process. He was responsive and very efficient, helping ensure everything stayed on track and allowing us to close ahead of schedule. He gets the job done!
NA
Thank you, Brady! Awesome job as always. closed early and the file went very smooth. all Parties to the transaction were very impressed with your communication and how quickly you got the loan done. Can't wait to do another one with you.
I was VERY impressed with Brady's timelines on the offer for one of my listings. The buyer's agent shared he had worked with Brady often and that indeed, he could perform. After calling Brady to discuss, the confidence in his abilities helped my sellers choose their buyer out of 3 offers received. The process was smooth from start to finish, and he was even able to get the loan closed 2 days early so the sale closed early to my seller's delight! From acceptance to recording in 15 days! Absolutely magnificent!
SF
Brady goes above and beyond every time! He prepares his files ahead of time so that we can get into contract with a strong offer and have a smooth and swift escrow. He delivers more than what he promises.
SK
Amazing service. Super efficient, great communication. Brady made the process seamless.
I’ve been fortunate to work with Brady on many sales over the years. He’s an advocate for his clients and is always creative to help them find the best deal at their comfort level. Communication is key and Brady excels at that. As an agent I’m confident when Brady is the lender because our clients are in good hands.
SM
I've known Brady for a few years now and when my girlfriend and I decided to start looking for a new home, talking to Brady was the first thing we did. He took the time to explain the process and walked us through from beginning to end. Always available, professional, truthful and pleasant, he did a wonderful job. Having someone you trust is very important to us and I truly recommend working with Brady to anyone interested buying a home!!
ZH
Brady did it again! His expertise and turn around time for my client exceeded all expectations. I love that he always answers his phone and/or texts back promptly. Quick close and grate rates for my clients. In my 17 years of experience helping clients buy/sell homes he’s the best out there
TE
From the moment we met Brady, we felt like we were working with a trusted friend. He was knowledgeable, approachable, and genuinely invested in helping us make the best decisions for our situation. Throughout the entire process, he kept us informed, clearly explained each step, and provided valuable advice that helped us feel confident along the way.
Brady was a pleasure to work with and always made himself available when we needed him. Whether by text or phone call, he was responsive, easy to reach, and consistently willing to answer questions and offer guidance.
We couldn't be happier with our experience. Brady's professionalism, communication, and dedication truly set him apart. We will absolutely work with him again in the future and would confidently recommend him to our friends and family.
Brady was a pleasure to work with and always made himself available when we needed him. Whether by text or phone call, he was responsive, easy to reach, and consistently willing to answer questions and offer guidance.
We couldn't be happier with our experience. Brady's professionalism, communication, and dedication truly set him apart. We will absolutely work with him again in the future and would confidently recommend him to our friends and family.
HE
I can’t adequately express the difference having Brady made in the home buying process. Simply the BEST. Trustworthy, capable, knowledgeable & taught me so much along the way! I never felt out of the loop or like I couldn’t ask anything at anytime. He set the tone for the transaction, & raised the bar for everyone else involved. 10/10 recommend
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!
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.
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
