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Guild MortgageBrady Peterson Mortgage TeamBrady Peterson Mortgage Team

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.

Apply for the loan Try the payment playground

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

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

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.

Mortgage bonds today

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10-Year Treasury yield

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S&P 500

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Brady's market note

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Mortgage bonds: last 10 trading days

Improving Worsening Flat

    Each 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, 30 years

    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.

    Shaded: U.S. recessions (NBER, via FRED USREC). Source: Freddie Mac Primary Mortgage Market Survey via FRED (MORTGAGE30US, MORTGAGE15US). Weekly national averages, historical only. Not a rate quote or offer; your rate depends on your situation. Talk to Brady for today's options.

    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.

    We never fill this in. Ask Brady for pricing.

    Uses the home price, down payment, term, your rate, taxes, insurance, HOA, mortgage insurance and value-change assumption from the Payment tab. Doesn't include closing costs, maintenance, tax effects or selling costs.

    We never fill this in.

    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.

    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 →

    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. 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. 2

      Pre-approval with Brady

      Brady reviews your income, assets and credit and gets you pre-approved. Start at guildmortgage.com/bradypeterson.

    3. 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. 4

      Builder sets the closing date

      Once the builder says the house has a closing date, it's usually time to lock.

    5. 5

      Lock your rate

      Brady locks your rate. Call or text Brady for details and pricing.

    6. 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

    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.

    Meet the team

    Right by your side

    Brady Peterson

    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.

    Aaron Sanmarti

    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.

    Stacey Bybee

    Loan Processor III

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

    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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