Brady Setzer

Mortgage Loan Officer GTG Financial 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
Sep 5, 2019
Me and my husband would recommend Brady Setze to everyone with my eyes close!!
He is such a patient and dedicated man, very knowledgeable and knows how to work the system. I thought buying a house was going to be a pain but With Brady was nothing but joy and fun! We are so Blessed and Happy with our new home!!! Thank you Brady for everything you did, you are family now to us. God bless!
May 31, 2023
Brady was always in communication and kept everyone on the same page. There was never a time I had to reach out to him. He was always proactive in making sure that all the steps were taken to ensure an easy and clean closing. I would definitely recommend him to any of my clients.
May 30, 2023
Brady has endeavored with us for two home purchases and I’m convinced it would not be as quick and painless if we tried to purchase with anyone else. He’s prompt, thorough, and always looking ahead. It’s been great these last two times, and we expect more in the future. Highly recommended!
May 17, 2023
Broker Associate with eXp Realty of California Inc
Brady did an awesome job of communicating every single step of the way through our transaction. He was always available! Explained every step of the process and completed all tasks ahead of schedule. I would highly recommend working with Brady for all your mortgage needs!
May 15, 2023
Professional, caring of client’s needs and the everyday fun guy you’d want to work with. Brady Setzer is the very best in the industry of Mortgage Brokers. He takes the time in advance checking all the guidelines so that when he puts a loan together, he knows exactly what to expect. He’ll give it to you straight and he’ll make sure he’s checked all the options so that his clients always have the best mortgage to meet their goals. I highly recommend working with Brady!
May 15, 2023
Brady is genuinely willing to help and take on new things. He seems to bring humor every time he is around. I look forward to events when I know Brady is there.
May 15, 2023
Brady is awesome! One of those guys in the mortgage business that has seen every possible market condition and is not afraid to tell it how it is. With years of experience and great integrity to provide the most sound advice is what we need more of in this industry!
May 15, 2023
Transaction Coordinator
Brady is amazing to work with! So responsive and sent out the best updates to all team members, every step of the way. Did everything he said he would and even closed earlier than expected.
May 11, 2023
Brady was instrumental in making our recent sale at 101 Trenton CT, go smoother and faster than any transaction we have ever had. He delivered on every promise he made on his first introduction, that in itself was a special treat. I feel that honesty, respect and communication are key in everything we do and Brady proved he feels exactly the same way by his actions.

It was truly a pleasure to work w/someone that was on same page and agreed that we are all supposed to be on same team w/same goals & that is to help our clients. He not only did that, but proved we could get it done even faster than originally planned 9 days earlier to be exact. I would HIGHLY recommend him and will hope to get to work w/him again in the future. Nothing but positive things to say.
May 10, 2023
My buyer indicated he was planning to get a mortgage through his bank. I also referred the buyer to Brady. The buyer initially decided to go with his big bank but unfortunately, about 10 days into the transaction, I could not get a hold of the buyer's banker to find out what was happening. Finally, the buyer advised me that his big bank was not going to be able to do the loan for him at all, and he was simply going to pay cash for the property. I knew this was not a great choice for him, as it conflicted with his goals for the home. The buyer was planning to do extensive renovations to the home, but if he paid cash for the house, he would have no money left to make the improvements. I encouraged the buyer to again reach out to Brady to see if he could help him with a loan. At this point, we were 11 days from our closing date. Brady is typically quick to close transactions, but if he closed this one even close to our original closing date, it was going to be a complete miracle. As soon as Brady got the green light to move forward from the buyer, he got right to work checking for any potential issues with the loan. Everything was moving ahead, very smoothly, once again. The appraisal came back with a value that was $15,000 more than the contracted price. Brady finished the rest of the deal in record time. Our original closing date was May 1. Brady was able to get documents out for the buyer and seller to sign, and had it not been for some issues caused by the buyer, we actually would have closed on May 2 - just one day later than the original contracted closing date. We ended up closing on May 3 instead, but the entire transaction was super smooth. From start to finish, Brady was able to wrap up the deal in just 13 days. (Not 13 business days, but 13 calendar days!) Brady has always taken exceptional care of any client I have referred to him, and he took great care of the buyer on this transaction as well. Over the years, I have learned that big banks make a lot of promises but they are rarely able to deliver on their promises. And the process of dealing with a big bank for a mortgage is almost always guaranteed to be more difficult than it needs to be. By using Brady to help with a mortgage, I can attest that you will always receive excellent service and all your questions will be answered. Brady's rates are also often some of the lowest to be found anywhere. Although I can't guarantee Brady will close your loan in 13 days, I do know that Brady commonly closes loans in 21 days. If you're looking for a mortgage, for either a purchase or a refinance, give Brady a call. He will not let you down!
May 8, 2023
We recently had the pleasure of working with Brady Setzer for our home loan, and we couldn't be happier with the experience. From start to finish, he demonstrated exceptional communication skills and a deep knowledge of the mortgage process. For first time home buyers we were looking for someone who could help educate as well as navigate and Brady was incredibly responsive to our needs.
From the beginning he guided us through the steps leading to prequalification, loan application through completion in a highly volatile rate environment with frequent communication throughout.
Thanks to Brady's expertise and diligence, our loan was closed ahead of schedule and smoothly and we are incredibly excited to own our new home! I couldn't be happier with the service Brady provided and would highly recommend him to anyone looking for a mortgage.
May 5, 2023
Escrow assistant
Brady and his team were great to work with. They were on top of everything and their communication with Escrow/Title was great. We look forward to working again with them on the next one.
May 4, 2023
Chase rejected my loan application at the last minute. I already have the contractor lined up to do the remodeling. I contacted Brady and explain my situation. He was able to get me a loan in 8 days To allow me to keep my original schedule. Brady is very professional and efficient. He provided daily update, so you know exactly the status of your loan And where are you at throughout the process. So if you need a loan with a good rate and service, I would highly recommend Brady. Thank you Brady. For helping me getting my new house.
Mar 8, 2023
Brady helped my husband and I through a complicated refinance.
First- he managed to lock our interest rate in at the lowest rate in months!
Then- We we’re both busy and did not have all the necessary documents at hand. Brady walked us through everything, doing what legwork he could.

Loan closed on time and seamlessly- will use Brady again!
Mar 7, 2023
Incredibly timely! Very communicative! Made the process as simple as possible. He was able to get us over a few hurdles. He is another G. O. A. T.
Feb 27, 2023
Brady was very helpful in guiding us through the purchase process. He helped us get qualified on loans that large banks couldn’t. He was very responsive, kept me updated on everything, and was straight to the point.
Dec 1, 2022
I recommend Brady and his team with no hesitation. I spoke to a few different loan officers when shopping around, and Brady’s service, options, and customer centricity were clear to me off the bat. My home purchase was challenging, but Brady was a bright spot in it.

Thanks Brady!
Nov 17, 2022
Brady did a fantastic job of helping my very nervous buyer navigate the process of buying his first home. Brady is always great about patiently explaining every step in the loan process to his clients. Despite a few hiccups (that were not Brady's fault) he was still able to close the transaction early. I can say, without a doubt, that my buyer would not be a homeowner right now if it weren't for all Brady's efforts on his behalf. If you are looking for a mortgage lender who can help with your purchase or refinance needs, you can absolutely trust Brady to take great care of you. I give him my highest recommendation.
Nov 1, 2022
Brady was highly communicative and great to work with. He looked for solutions and was on top of each step through the process.
Oct 13, 2022
Brady was amazing during the whole loan process. He worked really well with all parties (buyer and seller real estate agents and escrow officer) involved in the purchase of my home. He kept me informed almost daily once we were in escrow. He sends out emails during each stage of the process with cute little videos. His communication and customer service level is wonderful and I don’t normally give out such high reviews. I have really high standards and Brady exceeded them. I would without a doubt use him again for my mortgage needs.
Sep 23, 2022
Brady perfectly hits the trifecta of responsiveness, meticulous and knowledgeable. As first time homebuyers, my wife and I were in a unique position that required some extra care and Brady was there every step of the way from pre-loan paperwork to navigating our finance options to ultimately closing with big smiles on our faces. Not only was Brady just a phone call away before and during the buyout, but he also stayed in touch with us well beyond closing to ensure things went smoothly. Thanks Brady!
Sep 22, 2022
With the market making a correction, Brady was excellent working with my first time home buyers. The communication was timely and informative for each step in the process. I can’t thank Brady enough for making this such a smooth transaction for everyone.
Sep 21, 2022
Stellar hard worker! He helped us finance our first home. We were super tight on being able to qualify and so he had to work harder to make this happen for us. On top of that, interest rates were on the rise so the time crunch was of upmost importance. There are short videos that you get along the way that help you understand the next steps in the process too. His guidance through the process showed us how experienced he is & how hard he works! We highly recommend using Brady for your needs!
Sep 17, 2022
Always great working with Brady
Sep 13, 2022
Brady did a terrific job communicating the status of the loan to both agents during the escrow of 5311 Nesting Place in Rocklin. He did a great job & we closed without a hitch!
Sep 7, 2022
Great service and extremely knowledgeable and trustworthy loan officer. I will never use anyone else.