The Brady Mortgage Team

The Brady Mortgage Team Our team at United First Mortgage brings you over 26 years of industry expertise. NMLS # 279376 & NMLS # 252734

We deliver fast, trustworthy service and guide clients seamlessly through the mortgage process.

A great rate is worth fighting for. We will always tell you that.But nobody talks about their rate the day they get the ...
10/05/2026

A great rate is worth fighting for. We will always tell you that.

But nobody talks about their rate the day they get the keys. They talk about whether closing week felt calm or chaotic.

Here is what a good closing experience actually looks like:

1. You know what documents are needed before we have to ask twice.
2. You hear from us before you have to chase us.
3. Your final numbers match what you were expecting, with no mystery fees.
4. Nothing new gets asked for the day before you sign.

If you are comparing lenders right now, ask each one how they handle the last two weeks before closing. The answer tells you a lot.

Did you find it before the last slide?Number 3 is the one we untangle most often, because it sounds like a gift. A lende...
10/02/2026

Did you find it before the last slide?

Number 3 is the one we untangle most often, because it sounds like a gift. A lender credit or rolled in costs can be a smart move, especially if you want to keep cash in the bank. It just is not free, and you deserve to know which way you are paying.

So when you compare loan offers, do not stop at “no closing costs.”

Ask what rate that offer comes with, and what the same loan looks like if you pay the costs yourself.

Then compare the two monthly payments. That one question clears up most of the confusion.

And the other three? All true, and all easy to avoid when you ask before you act.

A buyer can be approved for a number that looks exciting and still choose a lower number that feels better.That is not a...
09/30/2026

A buyer can be approved for a number that looks exciting and still choose a lower number that feels better.

That is not a lack of ambition. It is a plan.

Before the offer, compare the full payment with taxes, insurance, mortgage insurance, and any association dues. Then ask what remains for savings, repairs, and the rest of life.

09/28/2026

Your pre approval can be current on paper and outdated in practice.

Before your next offer, run this 15 minute refresh:

1️⃣ Check the letter

Find the issue date and any expiration date. Ask your lender what becomes stale first for your loan: credit, income, asset statements, or the letter itself. Do not assume they all follow the same clock.

2️⃣ Rebuild the payment for the actual address

Ask for principal, interest, property taxes, homeowners insurance, mortgage insurance, and HOA dues. Your original approval may have used an older rate or a generic tax and insurance estimate.

3️⃣ Report what changed

New job? Different hours? Smaller bonus? Higher card balance? New car loan? Student loan payment changed? Money moved between accounts? Tell your broker before it is discovered during an offer deadline.

4️⃣ Recheck your cash cushion

• Verified funds today

• Minus estimated cash to close

• Minus the reserve you refuse to spend

🏠Equals your real cushion after closing🏠

5️⃣ Build the offer plan

Ask whether credit needs to be reviewed again, which documents to upload now, how fast a letter can be updated, and who can help if the offer happens at night or on a weekend.

Then get these four numbers in writing:

• Maximum price

• Full estimated monthly payment

• Estimated cash to close

• Cash expected to remain after closing

Save this for later.

Send it to someone who needs to see this.

Your parents said, “We can help.”That is generous, but it is not yet a mortgage plan.Before anyone transfers money, firs...
09/25/2026

Your parents said, “We can help.”

That is generous, but it is not yet a mortgage plan.

Before anyone transfers money, first decide what problem you are trying to solve.

Here is how we would sort it out:

1️⃣ You qualify for the payment, but you are $15,000 short at closing.

A gift may be the cleanest option. Your lender may need a gift letter, proof that the donor had the funds, and a clear record of the transfer. If repayment is expected, say that upfront. A family loan is not the same as a gift, and the new payment could affect qualification.

2️⃣ You have enough cash, but your income does not support the loan amount.

A non-occupant co-borrower or co-signer may help with qualifying, depending on the loan program. Their income may help, but their credit, debts, and financial obligations are reviewed too.

They also become legally responsible for the mortgage if you do not pay. That debt may affect their ability to qualify for another loan later.

3️⃣ Your parent wants to help now, but you plan to remove them later.

Do not assume their name can simply be taken off. Removing a borrower usually requires a refinance or another option allowed by the loan servicer. Ask what would need to be true before you build the plan around that exit.

Use this quick test before choosing:

Need cash only? Ask about gift funds.

Need income to qualify? Compare the program rules for a non-occupant co-borrower or co-signer.

Need shared ownership? Discuss the loan and title together.

Expect repayment? Disclose it before the lender calculates your numbers.

Send this to the family group chat before anyone writes a check.

Let’s compare the three paths without letting the 3% rate make the whole decision.🏠Reconfiguring may cost less, but the ...
09/23/2026

Let’s compare the three paths without letting the 3% rate make the whole decision.

🏠Reconfiguring may cost less, but the solution can be temporary.

🏠Renovating may create the right space, but the budget and disruption matter.

🏠Moving may raise the payment, but it can solve needs the current property never will.

Compare cost, monthly impact, cash used, time, stress, and how long each path fits.

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Send it to someone who needs to see this.

09/21/2026

Here is how we explain approved vs affordable 👇

Your approval amount is a ceiling, not a spending goal.

A lender’s approval answers: “What could you qualify to borrow?”

Affordability answers a more important question: “What payment can you comfortably live with every month?”

Make sure the total payment leaves room for:

• Savings and emergencies
• Childcare and family expenses
• Repairs and maintenance
• Travel and other priorities
• A monthly buffer for real life

Then ask your mortgage pro to work backward from your comfortable payment, including the mortgage, property taxes, home insurance, and any HOA fees.

Send this to the person you’re planning to buy a home with

Here’s the simplest way to route common homebuying questions:1. Ask your Realtor about the property, offer, negotiations...
09/18/2026

Here’s the simplest way to route common homebuying questions:

1. Ask your Realtor about the property, offer, negotiations, inspection strategy and transaction timeline.

2. Ask your mortgage professional about qualification, loan options, payment estimates and financing documents.

3. Ask the title company or attorney about ownership records, title issues, closing documents and legal questions within their role.

4. Ask your insurance professional about coverage, premiums, deductibles and insurability.

A strong team coordinates closely without pretending every question belongs to one person.

Save this contact map for later.

Send it to someone who needs to see this.

09/16/2026

Here is the part buyers are rarely told at the dealership.

Mortgage approval looks at monthly debt, not just whether you can afford the car today. A new car payment can raise your debt ratio, lower the home price that fits, or change the loan options available to you.

The safest move is simple: let your mortgage broker run the numbers before you sign for the car.

Save this for later. Send it to someone planning to buy a home.

A name change usually does not stop a mortgage.What can slow things down is when your documents make it look like two di...
09/14/2026

A name change usually does not stop a mortgage.

What can slow things down is when your documents make it look like two different people are applying.

Maybe your driver’s license has your married name, your bank account still has your maiden name, and last year’s W2 has the old one.

That is not automatically a problem.

But your lender may need to connect the dots.

Depending on what shows up in your file, you could be asked for something like a marriage certificate, court ordered name change, updated identification, or a simple explanation showing why the names are different.

One thing to check early is where your money is coming from.

If the bank account you are using for your down payment or closing costs is still under your previous name, tell your lender before underwriting starts digging through statements.

Same goes for payroll.

If your paystub shows one name but your ID shows another, it is much easier to address that early than after someone asks for clarification three days before closing.

The goal is not to make every document identical overnight.

The goal is to make your paper trail easy to follow.

Recently married or changed your name?

Before you apply, pull out your ID, latest paystub, W2, bank statements and purchase documents and see whether the names line up.

A five minute check now can save a very annoying email chain later.

Save this for mortgage prep.

Send it to the newlywed who is already changing their name everywhere.

Address

7351 South Union Park Ave, Ste 225
Midvale, UT
84047

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Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 5pm

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(801)4507781

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