Mortgage bonds today
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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.
Brady says a full application is “like gold” for your pre-approval letter.
MBS: today's bond direction & market stats →Call or text Brady anytime: 801-721-9326 · Text
Preferred lender for Castle Creek Homes · Free refi for Castle Creek buyers
Loan OfficerBrady Peterson
NMLS #303951 · Originating since 2003
NMLS #303951 · Originating since 2003
Online now · answers any time
Ask Brady's assistant
Loan programs, payments with your own numbers, down payment help, documents, Castle Creek Homes, or who on Brady's team to call.
20 free questions a day · never quotes rates · don't share SSNs, birth dates or account numbers.
Happy to helpNo question is too small. We'll walk through it together.
Guild MortgageCompany NMLS ID #3274 · Brady NMLS #303951
Call or text anytime801-721-9326
MBS · Market Scoreboard
Today's market at a glance
Direction of mortgage bonds from Brady's daily note, plus end-of-day Treasury and stock numbers from free public sources.
10-Year Treasury yield
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Dow
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S&P 500
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Nasdaq
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Brady's market note
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Hear it from Brady
0:00 / --:--AI voice of Brady reading his approved note
Mortgage bonds: last 10 trading days
Improving Worsening FlatEach tile shows how that weekday closed, from Brady's approved daily note (direction only). Today's tile pulses until the day closes.
For general information only; not a rate quote. Call or text Brady for your pricing: 801-721-9326.
History · Freddie Mac survey
Mortgage rate history since 1971
Hover the chart to read any week. Ctrl + scroll to zoom, drag to pan, double-click to reset.Slide a finger along the chart to read any week. Pinch to zoom; tap a range to reset.
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 UtahUtah Housing, Ogden and Davis County programs, plus a quick FAQ
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 typesConventional, FHA, VA, USDA, jumbo, new construction and more
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.
Learn more →FHA
Insured by the Federal Housing Administration, with lower minimum down payment and credit score options.
Learn more →VA
For veterans, service members and surviving spouses. No-down-payment options and no private mortgage insurance.
Learn more →USDA
USDA Rural Development guaranteed loans for eligible rural properties.
Learn more →Jumbo
For loan amounts above the FHFA conforming limits.
Learn more →Down payment assistance
Over 800 grant and second-mortgage programs, plus Guild's own assistance, including 1% Down.
Learn more →New construction
Financing options for a brand-new home once it's complete.
Learn more →Renovation
Make upgrades now and pay for them over time.
Learn more →Temporary buydowns
1-, 2- and 3-year buydowns that lower payments at the start of the loan.
Learn more →Refinance
Rate-and-term and cash-out refinance options.
Learn more →Reverse (Flex Payment)
Guild's reverse mortgage products for qualified homeowners.
Learn more →Doctors & medical pros
Zero-down options with no mortgage insurance requirement.
Learn more →Documents checklistThe 11 items to gather, and how to get them to Brady's team
Be ready
Documents checklist
Check items off as you gather them. Your progress is saved only on this device. Your exact list depends on your loan.
0 of 11 ready
Get your documents to us
Apply for the loan (and add your documents)“This one is like gold for the pre-approval letter.” Brady on the full application
Brady's team always recommends the full application. It's the most complete path to your pre-approval, and you can add documents in Guild's app portal. Starts from Brady's Guild page. Already applied? Sign in to your Guild account to add documents.
- Also fine for documents: email brady.peterson@guildmortgage.net. Once your loan is in processing, Stacey Bybee (385.238.4371) handles documents.
- Or drop them by 1086 E Hwy 193, Suite #102, Layton, UT 84040.
The sooner we have your application and documents, the sooner Brady can give you a full pre-approval.
BUILDING? For new builds like Castle Creek Homes, applying and getting documents in early helps get your build going or your contract accepted.
Never send documents, Social Security numbers or account numbers through the chat on this site.
FAQNew builds, Castle Creek, who to contact and chat basics
Who do I contact? Brady first, for everything: call or text 801-721-9326, office direct 385-405-2392, brady.peterson@guildmortgage.net. Ask the assistant for the rest of the team.
Building with Castle Creek Homes? Brady is a preferred lender for Castle Creek Homes, and buyers who purchase through Brady currently get a free refi. .
When does my rate get locked on a new build? Usually once the builder says the house has a closing date. Ask Brady for details.
Does the assistant quote rates? No. It never quotes or suggests interest rates. Payment estimates use your own rate.
Don't share Social Security numbers, birth dates or account numbers in the chat. 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.