Skip to Content


I am a residential real estate loan officer with 20 years in the industry and over 1200 closed loans. My #1 goal is to close loans on time with happy clients. 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 and well as experienced loan veterans . I have always worked on 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. navigate the sometimes tricky loan process 2. keep you informed 3. values your time and 4. can do it in a friendly team orientated manner. Let me be your teammate and get your loan closed on time and with a smile.

Mortgage Calculator

Buying a home is a big investment with expenses you may not have thought about. Use our mortgage calculator to estimate your mortgage payment, including taxes and insurance.

Please enter a valid home price


30-Yr Fixed / 4.25% Interest
  • Principal & Interest $949
  • Property Tax $250
  • Homeowners Insurance $58
  • Mortgage Insurance $84

Additional Calculators

How Much Will My Payments Be?
Calculate your monthly payment with applicable finance charges, PMI, hazard insurance, and property taxes.

Mortgage Principal Calculator
This calculator allows you to "peek into the future", allowing you to see the remaining balance of your mortgage after several payments.

Affordability Calculator
How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.

Mortgage Length Calculator
This calculator will help you to determine your savings if you make larger monthly payments.

What if I Pay More Every Month?
See how your mortgage will be reduced, if you pay $$$ more every month.

Should I Refinance?
Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.

Tax Benefits Calculator
This calculator will calculate your tax savings after a house purchase. Financial analysis includes first year as well as total tax savings.

Should I Pay Points to Lower My Interest Rate?
Calculate how much points affect your monthly payments and how fast they will pay for themselves.


Brady has been my loan officer for the last 10-15 years for 3 mortgages, and most recently an ELOC. I have called him for advice even when I wasn't necessarily in the market for a loan because I knew he would help me find the answers I needed for my individual situation. He has ... READ MORE Nancy Weichert Homeowner
Brady did an amazing job with the purchase of our home. Buying a home is full of stress and unforeseen obstacles. Brady did an amazing job of keeping us informed, handling all questions/concerns we had, and processing everything in a timely manner. He was very knowledgeable and very ... READ MORE S. Rentschler
Brady provided exemplary service while obtaining our mortgage. He has also been a great resource for questions regarding financing home loans and lines of credit over the past 12 years. When I was a real estate agent I recommended him to all my clients and they were all extremely ... READ MORE Richard Martin Consultant
I just can't say enough about Brady. He was their for us 24/7 (literally) and made our loan process a breeze. He explained every detail and provided reassurance throughout the entire process. He is incredibly knowledgeable and provided resources for things even outside the loan ... READ MORE Lana Rossi Critical Care Nurse
I would like to recommend Brady as a loan officer Brady is a very dedicated individual who works for his clients and follows through on every part of the process that is under his purvey. Brady is a very soft spoken man, and extremely knowledgeable with the regulations and ... READ MORE Felicia Chang Business owner
Brady did an outstanding job for us! We closed in 22-days (would have been sooner but a day or two was lost on our end) and Brady was completely on top of every aspect and detail. Though this attention to detail and thoroughness was impressive, what most impressed me was Brady's ... READ MORE Pablo Arroyave Principal: Consulting
So this was the forth loan that Brady has done for me. Once again he knocked it out of the park. He was ahead of all the other realtors involved in this equation. We had dominos to fall on both sides of my sale and Brady performed as usual. My long time real estate agent ... READ MORE Gary Pash VP of Sales
Brady is a Super Star. First time working with him and he exceeded any wish you may have for a lender. Brady was overall prompt in returning messages (emails), phone calls were not needed at least for us as Brady was there to help immediately. He also sent out regular emails giving ... READ MORE Donna Wulff-Davis Donna Wulff-Davis Real Estate Agent / Certified Transaction Coordinator
Brady did an amazing job on this file getting it closed. He kept us informed along the way to make sure we where all in the loop. Audrey Brosler Audrey Brosler Realtor
What a wonderful communicator Brady is!!! We were in a multi-home transaction and was ready and prepared to make a smooth closing and he delivered!! Thanks Brady - will be glad to accept your offers in the future. Renee Roque Renee Roque Realtor
Brady is amazing! Any question I had about the loan process he was able to answer. It did not matter if I contacted him on the weekend or during the week, early in the morning or late at night. He always got back to me within a reasonable amount of time. If you want the loan process to ... READ MORE Anthony Wright
Brady did a fabulous job handeling our very specific needs and our challenging circumstances. We would recommend him 100% for all your mortgage needs. Jen & Adam Corrigan Home Owners
Brandy is simply the best!! From my initial questions to even after the close of escrow, Brady has been extremely helpful, knowledgeable, accessible, super prompt in replies, and super easy to deal with. Made the process of gathering documentation for the loan really easy by ... READ MORE Don Fode Business owner
Thank you so very much for all of your help in securing our loan for our new home here in Pleasant Hill. You were organized & thorough & professional, as well as kind which made all of the difference in our interactions with you. We put our trust in you and you most definitely ... READ MORE Calvin Tung and Felicia Chang Health Care and Business owner
Brady is an awesome lender! He pays great attention to detail to be sure the the process is a smooth and trouble free as possible. He is quick to respond to call & emails. I have worked with Brady for many, many years and he has never disappointed me or our clients. Brady always ... READ MORE Randie Boardman Randie Boardman Realtor
Brady was great to work with! He and his team made the closing smooth and seamless. He kept us informed and promptly responded to our emails. We look forward to the next transaction! Nancy Reublin Escrow Officer
Great job getting our escrow closed on time with not one single issue. Highly recommend. Julie McCoy Realtor
This is our third time using Brady. It will not be our last. I believe this speaks for itself. Brady is fiercely knowledgable and conducts himself above all others. This last situation was extremely complicated and out of the norm. Brady was there for us every step of the way. Where ... READ MORE Shawn King Client
Mr Brady was excellent very professional understand what I need it and provide me with the right loan, I'm a very happy in my new home Thanks again Brady Blanca Blanca E De Anda Retail management
Brady is fantastic and I cannot speak highly enough regarding my experience working with him. Brady will answer your call anytime day or night to explain anything. Brady is very supportive through the process and found me the best rates bar none. I would HIGHLY recommend Brady to ... READ MORE Sandra Riniker SVP
Brady Setzer made my move and loan process easy. He made sure everything was done on time. He was able to get me a great interest rate. I was confident he was doing his job well. Thanks , Brady Janelle Dalson Dental Hygienist
Brady is very thorough and works very hard to satisfy my clients with price and service. David Sowels Broker
Although Brady did not represent my client, as the listing agent he kept me apprised of how the buyers loan process was going throughout escrow. Thank you Russ Brett Real Estate agent
I have had the pleasure of working with Brady for the past 20 years, and hands down he is one of the best Loan Officers I have ever worked with! He is always available and he always keeps you informed every step of the way. You can always count on Brady to get the job done and I ... READ MORE Christine Fight Van Zant Christine Fight Van Zant Realtor
I have worked with Brady Setzer for the purchase of two homes now. Brady is amazing. He makes the process efficient and smooth. He is on top of your home purchase every step of the way. Buying a home can be a very stressful experience and Brady without a doubt helps to make that ... READ MORE Lynn Ripley
Brady and I have worked on deals with mutual clients - where I represent the Buyers and he is their lender. Brady is a top notch lender for many reasons but for the sake of brevity, I'll just list a few. One, he's an excellent communicator from beginning to end. Everyone from ... READ MORE Tim Comstock Tim Comstock Realtor
Brady did a fantastic job keeping our office aware of where his client's loan was at in the process through the transaction. It's refreshing to have a proactive loan officer working with the buyers, when you are on the listing side. I was thrilled not to have to chase down ... READ MORE Paula Calvert Realtor
Brady does a tremendous job as a loan officer. Moves fast, is knowledgeable, and makes it happen. RJ Jackson Broker
Informative with correct information on buyers which resulted in an expedited loan approval, processing and closing. Great job and highly recommend Brady. Ronald Rivard Broker
My wife and I have have done several loans through Brady. We will never choose anyone else. He is one of the most loyal and responsive gentleman I have done business with. There have been many time critical hurdles that Brady overcame. He understands and delivers EVERY TIME! We are ... READ MORE Nate Augustine
I will definitely go back to Brady for any financial services/issues and am already recommending him to family and friends , thanks to brady within a very short amount of time I was approved for a mortgage loan and ready to go , he's very knowledgeable, confident and the best part ... READ MORE Raymond Paulus Engineer
Brady you are AWESOME! My wife and I were looking to refinance and could not have been more happier that we met Brady. We only talked on the phone or through email and text but from the first time we talked to Brady he made us feel comfortable about doing this refinancing. Brady ... READ MORE George Medeiros Home owner
Brady went over and above what we expected!!! We would recommend him to anyone that's needs to refi their homes or financial services. We look forward to doing more business with him it the need arises again. Mahalo Brady for all you help. George and Sherri Medeiros Sherri Medeiros Assistant Manager
I loved working with Brady! Not only did he constantly keep me updated, he answered his phone when I called him, was available even after hours and on weekends and we closed almost a week early! I would highly recommend him and I'm definitely looking forward to working with him again! Jeana Hoover Escrow Officer/Office Manager
Brady did a great job and was able to close early to help as my sellers were leaving for vacation. Ken Olivera Real Estate Agent
Being a first time home buyer I had no idea everything it would take to finalize my loan. Brady made the whole transaction easy and made sure to take the time to explain the process to me. He was great and made the whole experience amazing. I will definitely recommend him and return ... READ MORE Amy Desbrow Amy Desbrow Medical Assistant
Brady did a great job working with my clients on the purchase of a home. All went as smooth as possible and Brady was able to close 12 days early - which was a win for everyone! Tina Suter Realtor
Brady recently assisted us in securing a loan for the purchase of a new home. From the moment I first left a message indicating our needs, Brady was extremely responsive throughout the escrow process. He found us a great interest rate with a reasonable down payment. We spoke hundreds ... READ MORE Kasey Clark New Home Owner
Brady was extremely available, helpful and friendly throughout the whole process. This was our first home purchase so we had a ton of questions and Brady was patient and thorough answering all of our questions at all hours of the day. He took a personal interest in our home search and ... READ MORE Erin Mellon
My husband and I highly recommend Brady Setzer for any mortgage needs. Our refi was the easiest transaction we have ever experienced! Brady was extremely thorough and diligent. We were actually shocked at how easy our refi was from start to finish. Brady was personable and professional ... READ MORE Carie Fisher Operations Manager
It has been our pleasure to have worked with Brady twice now, as first-time home buyers and through the purchase of our second house. He is genuinely easy to work with and takes the time to explain all aspects of the process thoroughly. He will answer questions again, and again and ... READ MORE Julia Akers
I'm a first time home buyer and Brady helped me throughout the whole process. He was always there to answer all my questions no matter what time of the day it was. I highly recommend having Brady help you with your home buying needs, you definitely will not regret it! Thank you for ... READ MORE Corina Perales-Day Corina Perales-Day First Time Home Buyer
I had the pleasure of working with Brady Setzer on a purchase transaction that recently closed. Brady was the loan officer for the buyer and I was the seller's real estate agent. Despite the buyer not being my client, Brady kept me informed every step of the way and completed the ... READ MORE Kellie McGraw Kellie McGraw Owner/Broker McGraw Realty
Brady does an outstanding job of keeping his clients informed throughout the process. I personally have a busy and non traditional work schedule and find it hard to take time from work to go into a place to sign paperwork and or make phone calls throughout my workday. Brady kept me ... READ MORE Jason davis Communications technician
This is the third home I've purchased and by far the most pleasurable experience of the three. Simple and effective, Brady's correspondence proved to yield clear and concise information and follow up throughout the whole transaction. He was recommended to me by a very ... READ MORE Chris Ansell Associate safety engineer
I had the pleasure of working with Brady on a recent real estate transaction, I was the listing agent and he was representing the buyers on their loan. Everything went very smooth, he kept us well informed through each stage of the buyer's loan process, in fact, they were ready to ... READ MORE Carol Shuler Carol Shuler Realtor
This is my second time working with Brady, and he is excellent. He anticipates problems and very proactively solves them, and his communication skills are excellent. For this latest refi, I tried working with a credit union first, but their ineptitude and slow response times, ... READ MORE Josh Scott English teacher
Brady did an amazing job from start to finish. Always responded quickly to the MANY questions I had throughout the entire process. He was recommended by my realtor Randie Boardman and I'm glad I took her advice. I can very easily say I would recommend Brady to anyone that asked. Thomas Marrufo Compliance Representative
We were first time home buyers, and Brady made the experience very smooth for us! We were unsure of what to expect, and Brady was very patient and helpful along the way. I was on maternity leave from my job when we found our home, and although it was an unusual situation, Brady helped ... READ MORE Teagan Friend Human Resources Business Partner
Brady was great to work with on our first home buying experience! He was always easy to get in touch with by text, email, or phone. We hit a few snags along the way but I felt like he was very persistent to make sure we got the best rate possible. Michael Heiby
I thought I knew about mortgages and mortgage companies until I stumbled with Wells Fargo, my bank. Second and third mortgages were out after 2008.The mortgage industry flipped upside down and an easy application with Wells became a nightmare. Red tape and endless excuses with delays ... READ MORE JOHN DOWBAK md
We've used Brady a few times over the years for our financing and he has always provided the highest level of service. He is a honest and reliable person with great communication. We would recommend him both for buying a home or refinancing. Brady is a true professional. Thomas Brown
Brady was great to work with. He thoroughly explained any questions I had and was extremely knowledgeable throughout the entire prequel process. He was easy to reach and I enjoyed working with him. Definitely will use his services again when I need them next time. Anthony L Moore Firefighter
This is our third time using Brady! Obviously all three times were a success! We love working with him and wouldn't dream about going anywhere else. In stressful times (buying/selling) you really learn that you need professional and timely people on your side, that's Brady. You ... READ MORE Shawn and Mike
I want to thank Brady Setzer for doing an amazing job always on my deals. Brady is always on top of the file and makes sure the fees are what we discussed. Brady also can close early and on time, his team is amazing. I never had to worry with Brady on the file and I have referred him ... READ MORE Melika McGanty Escrow Office
I have worked with Brady on multiple home loans and one mortgage refinance. He is fast, thorough, responsive, transparent, efficient and everything else you could possibly want in a loan officer. He will work with you to make sure you're getting the best set up based on your ... READ MORE Francisco Flores Home Buyer
I have been working with Brady since 2009 when I bought my first home. Brady took care of all the details and made the process so easy. One thing that I love about Brady is that he is very honest, ethical and Knowledgeable. Brady has also become my financial advisor. If I ever ... READ MORE Anabella Seay National Sales Coordinator
I've had the pleasure of working with Brady on at least three occasions during the past 10 years. Brady has always been very professional and helpful. He's knowledgeable about mortgage lending and kept me informed without delay during the process. I was referred to Brady by a ... READ MORE marva l davis Retired C/S Supervisor
Brady had assisted us several times, finding us great loans. He is very professional, keeps us informed and easy to work with. Jennie Shaw
One of my favorite reasons for working with Brady was he thoroughly explained the process to us and did it with a smile. Believe me, that is a hard thing to do with someone like me! He is a great communicator and followed through with his commitments. Sarah Rohwer Hiring Manager
I have worked with Brady in my 26 year real estate career and find him to be one of the best in his business. Never had to worry about the lending part of the transaction from beginning to end. That is such a relief as a Realtor. Julie Gomes Realtor
Brady Setzer has been a great asset to me. He helped me to get my first loan on the house I am currently in now. Not only was he very informative and knowledgeable he took the time to go over every detail in respect to my loan. I highly recommend Brady to all my friends and family. I ... READ MORE Spivey Nugent Senior Bill Review Specialist
I have worked with Brady twice. He is wonderful to work with. He makes the process go so smoothly. He is very efficient and honest and takes the stress out of the entire process. Thank you Brady Lynn Lynn Ripley
My wife and I have successfully completed multiple refinance projects with Brady, he always completes things in a timely manner and stays on task until completion. I have also referred Brady to my friends and family with positive results with zero negative feedback. The best part of ... READ MORE Mark Ellsworth Mark Ellsworth Business owner
I have had the pleasure of working with Brady on many deals over the past 5+ years. He is extremely efficient, professional, and a great communicator. One of the best things about Brady is that he is ALWAYS makes himself available. Brady is attentive to specific needs and provides a ... READ MORE Wes Carter
We have had Brady handle two home loans for us and he is great to work with. He takes all necessary steps to make the process easier for the consumer so you are not wasting your time or duplicating any steps in the process so it is smooth. We have also done a refi and our sons also ... READ MORE wilma and frank motta
We moved out of state from Ca to Oregon 9 yrs ago. Thanks to Brady- everything went smoothly. He researched out the lowest home loans and helped us all along the way! I highly recommend him! He is thorough and professional and knowledgeable! E Holmes Retired
My wife and I have had the privilege of working with Brady on two different occasions. He was very personal and professional. He made our loan process painless and comforting. We are very great full for the hard work that he put in for us. Thanks Brady Scott Spinelli Trucking manager
I have had the pleasure of working with Brady on numerous home purchases. We have also refinanced a number of existing properties. Brady is very knowledgeable in all aspects of the loan market and will always get you the best deal possible. I highly recommend Brady for any of your ... READ MORE Kent Phelps Construction Superintendent
We have worked with Brady a few times now. He consistently makes the process easy. I have referred family members to him as he is a trustworthy person. I feel he prides himself on making the customer happy. He has jumped through some difficult hoops that not many loan officers would ... READ MORE Nate Augustine
I worked with Brady for my original home loan and refinance. He was very efficient, professional, and trustworthy. He was readily available to answer my first time buyer questions and I will always be appreciative of that. When I wanted to refinance I went directly to him. I highly ... READ MORE Scott Simpson Device Integration Analyst
I would recommend Brady to all very well knowledge on all you need to get a mortgage first time or other wise. He has the best way of making sure all information you need he researches all. To me if you go with Brady Setzer all will go smooth, MARY JANE TOMELLOSO INSURANCE BILLER UCD
Brady Setzer has some mad home loan skills! Brady's tireless efforts to secure my home loan made the critical difference in my ability to purchase my house. His keen insight on various lenders' requirements, document presentation know-how and willingness to go the extra mile ... READ MORE Nancy Heffernan Nancy Heffernan Chief Communications Officer
Brady is the best. My experience was easy and fast. Brady will go out of he way to do whatever it takes to get your loan. I would recommend him %100. I was more than happy and I am in my home because of the caring and dogged approach Brady takes. I would use his services again. Rosemary Burke Ms
Brady provides a smooth loan process with great communication. Both are key elements in a real estate transaction. I would highly recommend consulting with Brady if you are looking to make a real estate purchase. Chris Balestreri Realtor - Dunnigan, Realtors
Brady did a awesome job for us first when a purchase our house 2010 2 nd he did help to refinance to get great lower rate He is a honest and reliable person We would recommend him both buying home or refinancing Thanks Gurdeep Bahia Gurdeep Bahia Gurdeep Bahia Business owners
Brady helped me with good financial choices when I moved to California and bought a home. Being from a small town in Washington state, I was completely lost as to how to deal with California laws and Brady steered me in the right direction. The choices he helped me with have proven to ... READ MORE Martha Widner Retired teacher
I have been doing business with Brady Setzer for over 15 years. He has always provided me with great service, attention and consistently exceed my expectations. I will continue to use him personally and also as my mortgage “guy” in my real estate transactions. Highly recommended! Todd Vatalaro Todd Vatalaro Director of Sales

Let's accomplish more together.

get In Touch

Back to top