Brady Setzer The Mortgage Sherpa

Brady Setzer The Mortgage Sherpa Not your average mortgage lender. Providing ⭐️⭐️⭐️⭐️⭐️ service for happy clients for over 25 years I specialize in closing Real Estate loans with happy clients

06/26/2025

Are we in a “BUYER’S MARKET”? I am getting this question asked more often these days. Short answer is Not really. Longer answer is it really depends on the specific house and market you are shopping in.

⭐️There is some softness showing up in some areas but houses priced right are selling.

⭐️Rely on your realtor to let you know what’s going on in your market and if the house you are considering is priced high, low or perfect.

⭐️Headlines are sensational and usually based on national trends, so don’t assume they apply to your area.

🔑 Partner with a great agent and let them do the research to decide what you should offer.

🙋Have questions or need a referral to a great agent? Comment or message me. I’m here help. And remember, I’m a Sherpa not a salesman.

04/10/2025

What is a 2-1 buydown? Watch this video to find out they save buyers money on their payments.

03/12/2025

Your credit score is the key to the best financing terms so it’s important to build and maintain the highest score possible. 780 or above is what you are aiming for. If you make the right moves, you can get there in about a year.
⭐️ if you are waiting to buy, don’t let your score slip if it’s already high or use this time to work on your credit if it’s currently low.
❓have questions on how to do either of the above, reach out. I’m here to help. I’m a Sherpa not a salesman.

03/06/2025

Groceries are expensive and not going down any time soon. Here are 3 easy tips that will help you save some money next time hit the grocery store.
1️⃣ shop around. Some stores sell certain product categories cheaper than others. Maybe you buy produce from one place and dry goods from another.
2️⃣ let the sales dictate what brand you buy. Maybe buy store brand over name brands. Look at the cost breakdowns on the tags. They will show which one is a better deal. It’s not always obvious.
3️⃣ know your staples and stock up when they are on sale. And maybe pass on an item if it’s currently not on sale (if you can).
🔑 be strategic. Getting through this period is going to take some planning and numbers crunching. You will be surprised how quickly these become habits. I hope this was helpful.

03/04/2025

Where are rates headed in 2025? My prediction is they will toggle between 6% and 7% with activity picking up as they near 6% and slowing down when they head back towards 7%.
⭐️ I don’t think we will see the deep dip that a lot of people are waiting for.
⭐️it’s important to remember that lower rates increase competition and have upward pressure on prices and higher rates decrease competition, increase buyer leverage and have a downward pressure on prices.
🙋🏼‍♂️have questions? I’m here to help. Reach out and let’s chat. I am

02/20/2025

In this video I explain how points work and what you should consider when deciding if it makes good financial sense to pay them. Spoiler alert: it all depends on how much they will save you AND how long you plan to stay in the loan. Please watch the video and let me know if you have any questions. I’m here to help. That’s why I call myself the mortgage Sherpa.

01/29/2025

Homeowners insurance in California was already a mess but the fires in Southern California will make this problem worse. Here are some aspects that will affect your ability to obtain insurance as well as how much that insurance will cost.
1️⃣ is the home in a disaster prone area? (Think fires or flood risk)

2️⃣ is it an older home? (Older homes are more expensive to insure)

3️⃣ does the home have any prior claims on it from previous owners? (This is a red flag for insurance companies)

4️⃣ do you have any prior claims from previous houses? (Also a red flag as they assume your are prone to filing claims)

🏠 I hope this is helpful. If you have any questions, please comment or send me a message. I’m a Sherpa not a salesman.

Great working with Realtors Nate and Shanelle Augustine for the first time and grateful they trusted me with their clien...
10/24/2024

Great working with Realtors Nate and Shanelle Augustine for the first time and grateful they trusted me with their clients mortgage needs. Helping first time buyers is special. I love being a part of that journey.

Service after the close is something most borrowers don’t look for in a lender. Mostly people think we just quote a rat...
09/18/2024

Service after the close is something most borrowers don’t look for in a lender. Mostly people think we just quote a rate and are all the same. Not true. Owning a home is complex and the frustrations that come with it require help and assistance. I’m very proud of my service after closing and it’s nice to know my clients appreciate it. Another reason to work with a Sherpa and not a salesman. Have questions? I’ve got answers. Let’s chat

09/10/2024

The Fed rate and mortgage rates are two different things. They can trend similarly but they aren’t directly connected. .1️⃣ The Fed Rate is a tool used by the Fedral Reserve to throttle the US economy to either heat it up or cool it down. We don’t want it too hot or too cold. .2️⃣ Mortgage rates are a long term security secured by Bonds and they tend to go up when inflation is hot due to the hotter inflation devaluing the long term benefit of locked up money. When the economy cools off, rates come down because banks can feel more secure in the long term value and profit of those securities. .⭐️ because both rates are focusing on how hot or cool the economy is, it can seem like they are directly related but it’s entirely possible for mortgage rates to move opposite of the Fed rate depending on daily and weekly factors and how they signal the potential for things like recession, or inflation. .🔑 mortgage rates are complex. It’s hard to dive into it all in 90 seconds. If you have questions, feel free to comment or message me. I’m a Sherpa not a salesman. I’m here to help.

08/27/2024

Do buyers need their own agent? Yes you do. .Why? Because you need someone advocating for your interests only during a real estate transaction. One agent cannot properly advocate for both sides. .You need a GOOD buyers agent. Not just any agent. .A good buyers agent will 1️⃣ understand the complexities of the market or area you are looking to buy in and bring that expertise to the negotiations on price. 2️⃣ they will have a quality list of qualified inspectors to properly inspect the house. 3️⃣ they will sit down with you and explain the inspection reports and strategize on how to use them to help you negotiate either repairs or other seller concessions. 4️⃣ part of those negotiations have always been having the seller pay your agents fee. .A good buyers agent is massive asset when negotiating the purchase of something as valuable and complex as a house worth 500k to maybe over a million dollars. .It may seem like a cost effective move to let tue listing agent represent you but you could lose out on far more than what you are saving. .💰think about the big picture. Would you walk into a casino and let the dealer play your hand? No. And this is a much bigger transaction than that. Get your own representation. I hope this was helpful. Have questions? I’ve got answers. Let’s chat.

I pride myself on my service after the deal closes. My clients know they always have me at their disposal before, during...
08/26/2024

I pride myself on my service after the deal closes. My clients know they always have me at their disposal before, during and after the deal closes. A good lender is an asset and we do a lot more than just quote rates and run credit. Owning a home comes with lots of questions. Make sure you are working with someone that can answer them and make you feel confident you have the support you need. Have questions? Let’s chat.

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Sacramento, CA

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm
Sunday 8am - 8pm

Telephone

+19168133705

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