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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Brady Spangler NMLS 205611 Branch Manager

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Wailea, HI
Brady Spangler NMLS 205611 Branch Manager

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Branch Manager/SVP of Mortgage Lending at Guaranteed Rate NMLS ID: 205611 Guaranteed Rate NMLS ID 2611
nmlsconsumeraccess.org Believe you can and you will!

A mortgage company who grows for good. Guaranteed Rate, Inc. NMLS 2611
3940 N. Ravenswood Ave., Chicago, IL 60613
(866) 934-7283 • rate.com

State Licensing Requirements: • AZ: Arizona Mortgage Banker License #0907078 • CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act • NJ: Licensed by the N.J. Department of Banking and Insurance • NY: Licensed Mortgage Banker - NYS Department of Financial Services • TX: https://www.rate.com/texas-consumers-how-to-file-complaint
Regulated by the Division of Real Estate • Residential Mortgage Licensee 205611 - MLO 205611 •Licensed by the New Hampshire Banking Department 205611 • Licensed and Regulated by the Department of Consumer and Business Services • Licensed by the Pennsylvania Department of Banking and Securities •Rhode Island Licensed Lender • MLO 205611 OR: Licensed and Regulated by the Department of Consumer and Business Services

Equal Housing Lender - rate.com/privacy
For more licensing info, go to nmlsconsumeraccess.org or rate.com/licensing

11/05/2026

VA and conventional loans can both open the door to homeownership, but the details could look very different. If you’re eligible for VA financing, I can help you understand what that benefit could mean for you and compare it with your conventional loan options.

Let’s work together to find the financing that makes sense for you.
https://myoc.io/hyMVzRJMt8Q/r84fA

NMLS # 205611

11/04/2026

When you’re thinking about buying a home and applying for a mortgage, credit prep doesn’t have to mean making changes. Sometimes, the smartest first step is simply knowing what’s on your report and asking questions before making a move that could affect it.

Save this for when homebuying is right around the corner, and reach out with questions so we can talk it through.
https://myoc.io/hyMVzRJMt8Q/GDuDm

NMLS # 205611

11/02/2026

Your future home can start with one folder.

Organizing documents, such as income, assets, employment and current housing information before you apply could make mortgage prep feel a lot more manageable.

Start with one category today, then keep building from there. If you have questions, I’m happy to help you understand exactly what may be needed when you’re ready to take the leap toward homeownership. Save this post. Future you will be glad you did.
https://myoc.io/hyMVzRJMt8Q/dngQX

NMLS # 205611

10/30/2026

Buying a home should feel exciting, not overwhelming. Having the right guide by your side makes all the difference.

Hearing that clients highly recommend working with us is the best compliment we can receive. Securing home financing comes with questions, but you never have to figure them out alone.

Ready to explore your homeownership options with a team that has your back? Send me a message today to start the conversation.

https://myoc.io/hyMVzRJMt8Q

NMLS # 205611

10/30/2026

Home prices were up in more than three-quarters of the nation’s metro markets in the third quarter of 2026, with the average home price sitting at $432,900. The Northeast region (4%) led the nation in price appreciation, followed by the Midwest (3.6%). 21% of markets saw home prices decline in Q3, showing there's still plenty of opportunities out there for buyers.

Need help navigating this evolving housing market? Let’s talk.
https://myoc.io/hyMVzRJMt8Q/zCGv0

NMLS # 205611

10/30/2026

Aloha Friday, Maui! 🤙 Life on the Valley Isle has a way of reminding us to appreciate the little things, from ocean breezes and golden sunsets to finding a place that truly feels like home. There’s something special about the lifestyle we get to enjoy and the places that make it possible. Wishing everyone a beautiful weekend filled with a little Maui magic! 🌺

10/29/2026

With the economy remaining strong and inflation lingering, the Fed opted to hold interest rates during their latest meeting. Mortgage rates are expected to stay about where they are in response. When rates hold steady, it takes some pressure off your home financing decisions. Instead of trying to anticipate what could happen next, focus on your timing, budget and other factors within your control.

If you’re in the market for a new home, let’s plan your next move.
https://myoc.io/hyMVzRJMt8Q/j97U8

NMLS # 205611

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

10/28/2026

Don’t blame ghosts for every creak, thud and clunk. There’s (probably) a perfectly normal explanation for the sounds your home makes. The real trick is keeping up with seasonal maintenance to prevent small issues from spiraling into bigger ones.

Review our home maintenance guide to get your home ready for spooky season.
https://myoc.io/hyMVzRJMt8Q/IrfSh

NMLS # 205611

10/27/2026

The new car payment followed you home … and now it won't leave. New debt can creep into your homebuying process, impacting your mortgage approval by changing your debt-to-income ratio.

Before financing a large purchase, let’s talk about how it may affect your plan. After all, some things are better left lurking in the shadows.
https://myoc.io/hyMVzRJMt8Q/eXgEh

NMLS # 205611

10/26/2026

Running more than one business, or managing income that doesn't move in a straight line? Standard income documentation isn't always built for that. For eligible business owners, a current 12-month profit and loss statement may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's have a conversation.
https://myoc.io/hyMVzRJMt8Q

NMLS # 205611

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Address

161 Wailea Ike Place, Suite C-101
Wailea, HI
96753

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+18082643798

Website

https://www.Rate.com/bradyspangler?utm_source=facebook&utm_medium=organic&utm_campaign=yext&utm_content=19425&adtrk=%7Cs

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