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Brady Setzer

280 Recommendations
About Me
Sr. Loan Officer Answer Home Loans NMLS 230206

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.

Pinned Recommendation
SF
Realtor May 19, 2025
Brady is one of the best lenders I’ve ever worked with. He was always keeping me posted along the way. He was an awesome advocate for his clients and he had everything set up and ready for a smooth and easy escrow. He promised a 21 day close, and we closed in 14! I highly recommend working with Brady. I know I’ll be doing it again.
ZH
Realtor Jun 4, 2025
Closed another one with Brady, and the quickest one yet! Under 14 days with a 10% conventional loan. Brady is swift, honest, and always laid back in his approach with my clients. Couldn’t be more appreciative of his efforts and knowledge. Thanks again Brady!
Buyer May 23, 2025
Brady was amazing knocked down a three week escrow to two weeks! Super friendly and awesome lender to work with!
JG
Real Estate Appraiser May 17, 2025
Brady was amazing! Walked my son, first time home buyer, through every step of the way. He had his best interests at heart and patiently described the process. I’ve been in the real estate industry 36 years. I can honestly say Brady performed beyond my expectations. He is highly recommended in my book.
TM
Realtor Mar 20, 2025
First time I’ve worked with Brady and everything went smoothly. My buyer was very happy with his attention to detail and availability from start to finish. I’m looking forward to our next file. Highly recommend!
DC
Buyer Mar 11, 2025
Well where do I start with Brady and my experience buying my first home. First off when I spoke to Brady on the phone for the first time he made me feel very confident and comfortable in starting this new journey in my life, he is the only lender I’ve ever worked with and let me tell you he is the best out there. He took care of EVERYTHING by keeping me updated daily, making a 30 minute video explaining all the small details on my loan documents which helped me understand everything. Brady is very knowledgeable and experienced in his career and it was such a pleasure working with him. If I purchase another house later on down the road I will definitely be working with Brady again and no one else — BECAUSE HE IS THE BEST!
LK
Realtors Mar 3, 2025
Brady! you were a pleasure to work with! Often times, the communication is not communicated to all parties involved in the transaction. You did a fantastic job in keeping ALL parties in the loop and up to speed at all times. Again, what a pleasure and already looking forward to our next transaction together! THANK YOU for all your hard work!
MO
Active duty military Nov 1, 2024
Working with Brady has been an incredible experience. He worked my original loan and my refi. What truly sets him apart is how much he genuinely cares about what’s best for you. He takes the time to listen and really always put my best interests first. His advice was thoughtful, and he was always available to answer questions or provide guidance. Brady didn’t just deliver great work—he made sure everything aligned perfectly with what I needed, going above and beyond. I can’t recommend him enough, and I’m so grateful to have found someone who exemplifies excellence in his work. I’d recommend him to anyone - this guy is the real deal.
MN
Oct 30, 2024
I had an excellent experience working with Brady. He was incredibly communicative throughout the entire process and took the time to educate me on each step, making everything feel clear and manageable. His expertise and attention to detail made buying my first home a smooth and stress-free experience. I highly recommend him for anyone in need of a knowledgeable and supportive mortgage broker
Realtor Oct 23, 2024
Brady did an exceptional job helping my client purchase his first home. From start to finish the transaction was seamless and my client felt well informed. I could not ask for more Brady, you hit it out of the park! Well done!
DM
Oct 8, 2024
This is my second time using Brady! He delivered yet again. The process went smooth and without any stress. He was able to get the rate I wanted and achieved my monthly mortgage goal. Definitely recommend using Brady for your finance needs!
KS
Oct 8, 2024
Brady has been very helpful for multiple loans as we moved between houses or refinanced. For our recent refinance, he got us a better than expected mortgage rate and got the paperwork done quickly with minimal fuss. Highly recommended!
AB
Home Owner Oct 8, 2024
Brady has been exceptional throughout the home loan process. He consistently followed up and was always available to answer any questions. Brady not only informed me of a refinance opportunity but ensured the process was seamless and successful. His expertise and attention to detail are unparalleled! Can’t find anyone better!!
PM
Oct 2, 2024
FANTASTIC!!!! Brady is the BEST!! This is the second time Brady assisted us with our mortgage. The first time was last year when we bought our dream house. The most recent instance was refinancing. Our family is new to Sac and we are so fortunate that our realtor paired us up with Brady. In both instances he went above and beyond to make sure we fully understood our options as well as explain anything we asked. We can't thank him enough! Highly recommend!!
CK
Aug 26, 2024
Brady was such a pleasant guy to work with! He was awesome with communication & I love how he says with you even after you purchased the house! He is a great resource and I enjoy every time I get to work with him!
L
Aug 26, 2024
Brady is awesome both during the home buying process and after! Since purchasing my home in December of 2023, he has checked in regularly to see how things are going, and always makes himself available if I have questions. Highly recommend!
ZH
REALTOR Aug 21, 2024
As a Realtor of 15 years, Brady is one of the best lenders in the industry. Not only is he very knowledgeable, but he acts extremely fast and has some of the lowest fees for my buyers. I highly recommend. Thanks again for taking such great care of my client!
NA
Realtor® Aug 16, 2024
I recently had the pleasure of working with Brady on a transaction, and I couldn't be more impressed with the level of service provided. As a listing agent, it's crucial that everything moves smoothly and efficiently, and Brady exceeded my expectations in every way.

In an industry where timing can make or break a deal, Brady's speed and efficiency were truly remarkable. I highly recommend Brady to any agent or client looking for a lender who will go above and beyond to get the job done right—and fast!

Thank you, Brady, for your exceptional service. I look forward to working with you again in the future!
CT
Customer Aug 14, 2024
Brady continues to provide a great service even after closing. Brady promised communication would remain consistent for years to come and he has lived up to that promise. Brady continues to stay engaged with the home owning process just as much as he was with the home buying process. I greatly appreciate the monthly mortgage market rate updates as well as the continued support. Thank you Brady!
FD
Buyer Aug 14, 2024
I just wanted to thank Brady for his hard work , knowledge, experience, and expertise which made the process of buying home smooth and easy. As first time buyers, our experience couldn’t have been a more positive one and we feel lucky to have had smart people like him working with us.
I highly recommend him!
Creative Director Aug 7, 2024
It’s no overstatement to say that I wouldn’t be the owner of my home without the assistance and guidance of Brady. I had never been through this process before and it was all new to me. Brady took the time to explain the things I had questions about and was always available throughout the process. After the closing I realized I didn’t know much about post purchase things like escrow accounts and taxes, thankfully Brady has continued to be a trusted and unfailing available resource. If you need a mortgage professional, I urge you to give Brady a call, I recommend him without reservations.
TC
Realtor Jul 10, 2024
I’ve worked with Brady several times now. He brings years of experience and expertise to every deal. His customer service and communication are second to none. I look forward to transactions when Brady is the lender.
KW
Area Manager Jul 9, 2024
Brady was excellent. He quoted a 21 day close and still managed to close earlier! I got a great rate despite current conditions and appreciate Brady’s clear guidance and communication throughout the process.
MR
Real Estate Broker Jul 2, 2024
Brady worked on this transaction for the Buyer and I was representing the Seller. Brady was fantastic to deal with. He was professional and his communication from the very beginning and all the way through to closing was great. He truly does provide a service when so much of that is missing today. It was a pleasure to work with him and I look forward to doing so again in the future.
JR
Listing agent Mar 19, 2024
Brady was personable, professional, and a fabulous communicator. I'd welcome any opportunity to work with him!