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
IS
We had a fantastic experience working with Brady during our first home-buying process. From our first conversation, he was professional, knowledgeable, and genuinely invested in helping us.
Brady made the entire process smooth and stress-free. He was always available to answer questions, explain every step in detail, and provide honest advice. Additionally, he created a personalized loan estimate review video for us as well as weekly rate updates via email. Thanks to his expertise, we felt confident throughout the negotiation and closing stages. He worked with us at our pace and we never felt rushed or pressured. We were always ahead of schedule and closed escrow quickly!
We wholeheartedly recommend Brady to anyone looking to buy a home. You’ll be in great hands! He turned what could have been a stressful process into an enjoyable journey. We are thankful for our morning check-in’s that will now be missed. Thank you Brady!
Brady made the entire process smooth and stress-free. He was always available to answer questions, explain every step in detail, and provide honest advice. Additionally, he created a personalized loan estimate review video for us as well as weekly rate updates via email. Thanks to his expertise, we felt confident throughout the negotiation and closing stages. He worked with us at our pace and we never felt rushed or pressured. We were always ahead of schedule and closed escrow quickly!
We wholeheartedly recommend Brady to anyone looking to buy a home. You’ll be in great hands! He turned what could have been a stressful process into an enjoyable journey. We are thankful for our morning check-in’s that will now be missed. Thank you Brady!
SS
I had the pleasure of working with Brady Setzer on a recent transaction where I represented the Seller and he worked with the Buyer. I was impressed with his professionalism and efficiency throughout the escrow. Communication was clear and consistent and he stayed on top of the details to ensure a smooth and timely closing. It's always refreshing to work with a lender who is proactive, responsive, and committed to getting the job done right especially when it results in closing on time. I look forward to working together again in the future!
LW
I have known Brady for a long time but haven't had the honor and privilege to work with him in a little while. He made our transaction so smooth and effortless - it was a dream loan closing.
BR
Brady does it again! Huge shoutout to our amazing lender partner for coming through with a seamless transaction! Super communicative, on top of every detail, and made the process smooth from start to finish for our clients. Always a pleasure to work with true professionals Brady!
RE
We made the decision to take a leap to a bigger home with our growing family, and wanted to make sure we got as much house as we could afford without stretching things too thin.
Brady was phenomenal from start to finish in our home buying journey. He made the loan process seamless and easy, and communicated with us evey step of the way. No question was overlooked or too small. He was always accessible and quick to assist with any issues or obstacles, which allowed us to rest easy knowing things were handled by a proactive professional.
We highly recommend Brady for his professionalism, knowledge, and customer centric approach to this complicated home buying process. We cannot thank him enough for helping us land our forever dream home for our growing family.
Brady was phenomenal from start to finish in our home buying journey. He made the loan process seamless and easy, and communicated with us evey step of the way. No question was overlooked or too small. He was always accessible and quick to assist with any issues or obstacles, which allowed us to rest easy knowing things were handled by a proactive professional.
We highly recommend Brady for his professionalism, knowledge, and customer centric approach to this complicated home buying process. We cannot thank him enough for helping us land our forever dream home for our growing family.
LK
Brady is on top of the game on getting to the finish line with any loan! He can do a loan within 21 days and communicates very well with all the team members involved.
He is reliable, friendly and has a talent for explaining in easy terms what buyers need to know about the process of securing a loan. ALL my clients are always very happy with his professional commitment to attention and customer service to the very end.
He is reliable, friendly and has a talent for explaining in easy terms what buyers need to know about the process of securing a loan. ALL my clients are always very happy with his professional commitment to attention and customer service to the very end.
MO
I had the pleasure of working with Brady on my very first house purchase, and I can honestly say he went above and beyond for me throughout the entire loan process. I have a demanding travel job, which makes it nearly impossible to be available during normal business hours—but that never stopped him from being there when I needed him.
He made himself available in the evenings, on weekends, and even took time out to assist me on Easter. That level of dedication is rare, and it meant a lot to me. He was always patient, professional, and thorough, taking the time to explain every step in a way that made sense. I never felt rushed or left in the dark, and it was clear that he truly cared about helping me succeed.
Thanks to his outstanding service and personal commitment, what could have been a stressful process was smooth and manageable because of him. I highly recommend Brady to anyone looking for a knowledgeable and genuinely supportive loan officer.
He made himself available in the evenings, on weekends, and even took time out to assist me on Easter. That level of dedication is rare, and it meant a lot to me. He was always patient, professional, and thorough, taking the time to explain every step in a way that made sense. I never felt rushed or left in the dark, and it was clear that he truly cared about helping me succeed.
Thanks to his outstanding service and personal commitment, what could have been a stressful process was smooth and manageable because of him. I highly recommend Brady to anyone looking for a knowledgeable and genuinely supportive loan officer.
ZH
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!
Brady was amazing knocked down a three week escrow to two weeks! Super friendly and awesome lender to work with!
SF
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.
JG
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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!
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!
