Guild Mortgage · Layton, Utah

The right loan.
The right guidance.
Right by your side.

Brady Peterson, Loan Officer at Guild Mortgage · NMLS #303951. Play with payments using your own numbers, explore down payment help in Utah, and get answers any time.

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Brady says a full application is “like gold” for your pre-approval letter.

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Call or text Brady anytime: 801-721-9326 · Text

Preferred lender for Castle Creek Homes · Free refi for Castle Creek buyers

Brady Peterson, Loan Officer at Guild Mortgage

Loan OfficerBrady Peterson
NMLS #303951 · Originating since 2003

23+ yearsOriginating since 2003

Every market"Been through just about every market and seen every type of loan." · Brady

Guild MortgageCompany NMLS ID #3274 · Brady NMLS #303951

Call or text anytime801-721-9326

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For general information only; not a rate quote. Call or text Brady for your pricing.

Interactive tools

Payment playground

Drag the sliders and watch your payment change. There's no default interest rate: type the rate you want to test. Use your own tax and insurance figures. Estimates only.

All results are estimates for education only, not a loan offer or commitment to lend. Actual payments, loan approval and pricing depend on your full application. Call or text Brady anytime at 801-721-9326.

Down payment help in Utah

Explore down payment help

Public programs from Utah Housing Corporation, Ogden City and Davis County, summarized from their own pages. Limits, funding and rules change, so confirm current details with Brady and the program. Brady can check your eligibility.

Utah Housing programs: quick FAQ

Which Utah Housing loans are there? FirstHome, FHA/VA Mortgage, and Freddie Mac HFA Advantage, plus down payment assistance. Per UHC, the FHA/VA Mortgage replaces the older HomeAgain and Score Loan programs.

Minimum credit score? FirstHome: 660 (Government) or 680 (Conventional). FHA/VA Mortgage: typically 620 or higher. HFA Advantage requires a slightly higher score.

Income and price limits? They vary by program and county. See UHC's Income & Purchase Price Limits.

Homebuyer education? UHC doesn't run classes. Its page lists Freddie Mac CreditSmart (free) and HUD-approved educators.

Rates? This site never quotes UHC rates. Call or text Brady.

Source: utahhousingcorp.org/lenders, Programs, FHA/VA Mortgage fact sheet. Checked Nov 4, 2026.

Loan programs

Find the loan that fits your plans

Program overviews from Guild Mortgage. Eligibility and terms vary, so talk with Brady about which ones fit you.

Conventional

Non-government loans that meet Fannie Mae and Freddie Mac guidelines.

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FHA

Insured by the Federal Housing Administration, with lower minimum down payment and credit score options.

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VA

For veterans, service members and surviving spouses. No-down-payment options and no private mortgage insurance.

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USDA

USDA Rural Development guaranteed loans for eligible rural properties.

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Jumbo

For loan amounts above the FHFA conforming limits.

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Down payment assistance

Over 800 grant and second-mortgage programs, plus Guild's own assistance, including 1% Down.

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New construction

Financing options for a brand-new home once it's complete.

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Renovation

Make upgrades now and pay for them over time.

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Temporary buydowns

1-, 2- and 3-year buydowns that lower payments at the start of the loan.

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Refinance

Rate-and-term and cash-out refinance options.

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Reverse (Flex Payment)

Guild's reverse mortgage products for qualified homeowners.

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Doctors & medical pros

Zero-down options with no mortgage insurance requirement.

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New construction

Building with Castle Creek Homes?

Brady Peterson is a preferred lender for Castle Creek Homes, a semi-custom home builder in Northern Utah. Tap each step to see when your rate usually gets locked.

1
Contract with the builder
You sign your purchase contract with Castle Creek Homes. Talk with Brady early so your financing plan fits the build.
2
Pre-approval with Brady
Brady reviews your income, assets and credit and gets you pre-approved. Start at guildmortgage.com/bradypeterson.
3
Your home is built
While the home is under construction, the rate usually isn't locked yet. Long-term locks of up to 1 year are available if you need one, but they come with upfront fees and higher rates.
4
Builder sets the closing date
Once the builder says the house has a closing date, it's usually time to lock.
5
Lock your rate
Brady locks your rate. Call or text Brady for details and pricing.
6
Closing day
Sign, fund and get your keys.

FREE REFI

Buying a Castle Creek home through Brady? You currently get a free refi. Talk to Brady about the details: call or text 801-721-9326.

Castle Creek financing: quick FAQ

Is there a special offer for Castle Creek buyers? Yes. Anyone who purchases a Castle Creek home through Brady currently gets a free refi. The details (how and when it applies) come from Brady, so call or text him to go over them.

When does my rate get locked on a new build? Usually once the builder says the house has a closing date. Long-term locks of up to 1 year are available, but they come with upfront fees and higher rates. Ask Brady for details.

How do I get things moving on my build? Apply for the loan and get your documents in early (in the app portal, or by email or drop-off). Brady says the full application is “like gold” for your pre-approval letter. The sooner he has them, the sooner he can give a full pre-approval so your build can get going or your contract can be accepted. How to send documents.

Do I have to use a preferred lender? No, using a preferred lender is optional.

Castle Creek Homes is an independent builder. Plans, pricing, incentives and availability change, so confirm them directly with Castle Creek Homes. Using a preferred lender is optional.

Finance a Castle Creek home

Meet the team

Right by your side

Brady Peterson

Loan Officer · NMLS #303951

Originating since 2003

"I started originating in 2003, so we have lots of experience. I have been through just about every market and seen every type of loan, and we know how to help homeowners get the best financing available."Brady Peterson

Your main contact for everything. Brady takes all calls on rates and loan questions, from pre-approval through closing.

Call or text anytime
Mobile 801-721-9326 · Text
Office Direct 385-405-2392
brady.peterson@guildmortgage.net

Aaron Sanmarti

Originating LOA · NMLS #1749627

Works closely with Brady and helps from the start until your loan goes into processing, including quote questions and numbers. Reach Aaron if Brady isn't available.

Office 385.238.4369
aaron.sanmarti@guildmortgage.net
States licensed in: UT

Stacey Bybee

Loan Processor III

Once your loan is in processing, Stacey handles all documentation requests: status, conditions and documents.

Office 385.238.4371

Ask a question

Mortgage questions, answered

Ask about loan programs, documents, down payment help in Utah, the market, or Castle Creek Homes. Run a payment scenario with your own rate, taxes and insurance, or paste a Loan Estimate from another lender to see possible issues worth asking about.

The assistant never quotes or suggests interest rates. Don't share Social Security numbers, birth dates or account numbers. Chats aren't saved.

Contact

Talk with Brady

Brady Peterson, Loan Officer · NMLS #303951
Guild Mortgage · Company NMLS #3274
1086 E Hwy 193, Suite #102, Layton, UT 84040

Call or text anytime. Brady will get back to you as quickly as he can.

Mobile 801-721-9326 (text)
Office Direct 385-405-2392
brady.peterson@guildmortgage.net
www.guildmortgage.com/bradypeterson

Office hours (per Guild): Mon–Fri 9:00 AM–5:00 PM.

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The right loan.
The right guidance.
Right by your side.

Mortgage bonds today: …

Payment playground