(229 reviews)

Brad Mabey

Branch Manager

NMLS ID #262718

Spanish Fork, UT

4.76

(229 reviews)

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65 W 200 N, #3, Spanish Fork, UT 84660

[email protected]

(801) 477-0077

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Your Trusted Mortgage Partner in Utah County

Local expertise, honest advice, and support for homebuyers across Utah

About me

I'm a trusted Utah mortgage loan officer based in Spanish Fork, proudly serving clients across Utah County and throughout the state of Utah. With over 20 years of experience, I specialize in first-time homebuyer programs, zero-down mortgage options, FHA, VA, and conventional loans, as well as refinancing solutions tailored to your unique goals.

My approach is built on honest advice, clear communication, and personalized strategies to make the home financing process simple and stress-free. Whether you're buying your first home in Spanish Fork, moving anywhere in Utah, or exploring refinancing options, I'm here to guide you every step of the way.

Contact me today for expert mortgage solutions in Spanish Fork, Utah County, and beyond.

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Testimonials

4.76 (229 reviews)

4.9

4.6

5.0

4.8

Megan and Natalie assisted me with our loan process, throughout. Both were courteous and professional, and they communicated promptly, even after hours at times. One bit of feedback that just didn't lend a fit to our needs... There was a decision by our builder to enact a time clause on our purchase contract. This put us at risk of needing to find temporary, alternative financing, should a "cash-buyer" make an offer on the home we were purchasing. Our need for the temporary financing was determined to likely be for approximately one week or less. Guild expressed a willingness to consider two options for us: a bridge loan or a payment recasting. Two conditions made a bridge loan unattractive and even markedly unwise for us. To cover financing for the one week or less, the sunk cost to us was estimated to be over $5,000. For a potential need of coverage for only a few days, this seemed unreasonable and excessive. It felt like "this was just Guild's process." Had we needed this, perhaps we would have unhappily paid the $5,000 for the coverage. However, the second condition made the offered bridge loan unattractive and unwise. Guild informed us that they would not be able to cover the full $288,000 needed to bridge. We would be nearly $100,000 short. The only option Guild offered us was for us to withdraw more money from our IRA to cover the balance needed. We had already maxed out the amount withdrawn to stay out of the next highest federal and state tax bracket. The cost in income tax to us would have been in the tens of thousands of dollars. The lost investment cost made that option pretty rediculous to consider, again when all we needed was a few days of coverage. When we asked about a payment recast, Guild informed us that that could be done through loan servicing, after the loan had closed. However, the casting of the payment would take up to 90 days to put into effect. This option would over extend our ability to pay our monthly payments for up to 3 months. Similarly, this timing was explained to be "Guild's process." Again, we very much appreciate the human side of how we were serviced. The people were great. The unfortunate experience for us was the feeling that corporate process took precedent over all of the good that the people were caring for us with. It all just seemed so unreasonable for literally a few days of funding coverage, should we have needed to counter a cash-buyer. Thank you for allowing me to share feedback.

Alan

July 25, 2026 |

Salem, UT

Brad, took great care of my clients on their new construction build. He was always ready to answer any questions that came up and made sure they understood every step of the process.

Micquellyn

July 22, 2026 |

Salem, UT

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Meet our team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

Meagan Thacker

Loan Officer

NMLS #990570

[email protected]

Meagan Thacker

Loan Officer

[email protected]

NMLS #990570

Ready to get started?

Get in touch to discuss your home financing goals and explore next steps together.

Keep in touch

Phone:

(801) 477-0077

Mobile:

(801) 910-9910

Branch:

(801) 477-0077

Email:

[email protected]

65 W 200 N, #3, Spanish Fork, UT 84660

Office Hours

Monday - Friday

Saturday

Sunday

8:30AM - 5:00PM

CLOSED

Monday - Friday

8:30AM - 5:00PM

Saturday

CLOSED

Sunday

CLOSED

NMLS ID #262718

I am authorized to do business in the states of Idaho, Nevada, South Carolina, Utah and Wyoming. NV Mortgage Company #1141;

Find the loan that works for you

See what we offer

Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.

See all loan programs

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Tools to help guide you

Know before you borrow

Your trust means everything to us.

Discover how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

Mortgage income calculator

Find out how much annual income you’ll need to buy a house.

Mortgage payment calculator

See how principal, interest, taxes and insurance make up your monthly mortgage payment.

Temporary buydown calculator

Learn how a temporary rate buydown might reduce your monthly mortgage payment.

Your trust means everything to us.

Discover how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

More resources

Helpful resources

What are draw and repayment periods for HELOCs* and HELOANs?

Nearly 30% of homeowners are considering tapping into their home equity, a notable increase compared to a few years ago.

When should I use my home equity?

Your home has probably done a lot for you over the years. It’s where you’ve made memories, celebrated milestones, and planted roots.

Is a 2-1 buydown worth it? Pros and cons explained

A 2-1 buydown, also known as a 2-year temporary buydown, provides breathing room for aspiring homeowners to get started on building equity.

home equity insights

Get smart about your home's value

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Brad Mabey

Let's talk

Get pre-approved

Apply for a loan

Your Trusted Mortgage Partner in Utah County

Local expertise, honest advice, and support for homebuyers across Utah

About me

Testimonials

Meet our team

Ready to get started?

Keep in touch

Office Hours

Send us a message

See what we offer

Video gallery

Know before you borrow

Your trust means everything to us.

Mortgage income calculator

Mortgage payment calculator

Temporary buydown calculator

Your trust means everything to us.

Helpful resources

What are draw and repayment periods for HELOCs* and HELOANs?

When should I use my home equity?

Is a 2-1 buydown worth it? Pros and cons explained

home equity insights

Get smart about your home's value

Get my app