Brad Koch
VP of Mortgage Lending

Brad knows no strangers, there are only people he hasn't met. His mother would say, "If he stands next to a wall long enough, he'll talk to it." He has been in the mortgage business for over 15 years and has been recognized for his superior customer service and industry knowledge. He started as a real estate agent, investor and went on to be a broker and an appraiser. He also worked in new construction as a summer job when he was a teenager.

Having spent his youth living in German, as an Army officer's dependent, he experienced diverse cultures, both European and Domestic. To him, everyone was from somewhere else, and they all ate different foods. What great fun that was! One of his favorite things is building relationships. He is always excited to meet new people and looks forward to checking in with past clients.

Brad's goal is to simplify the mortgage process for his customers and make the loan process easy to navigate. He and his team thoroughly educate their borrowers throughout the mortgage transaction. Whether it's a purchase or refinance or Conventional, Jumbo or Super Jumbo, VA, or FHA loans he wants everyone to fully understand their options and feel comfortable. He also puts his clients ahead of the competition through his ability to close loans quickly.

Community involvement is a very important part of Brad's personal and professional life. He very involved as a Deacon at Perimeter Church where you can see him greeting people at the "info desk" most Sunday's and he teaches the Compass finance class. He is also involved in the Guaranteed Rate foundation. Also, he is an "Eagle Scout". His other interests include College football, March Madness and is an Olympics junkie. He likes to cook and entertain friends.

Helpful tools and resources
Personal Loans
No-fee personal loans
First-time homebuyer’s guide logo
First-time homebuyer’s guide
Mortgage calculators logo
Mortgage calculators
Loan options logo
Loan options

Recent reviews

What people are saying
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
Agent Advantage
Real Estate Agents: Want to look good and grow your business?
Put our power behind your bid. Compete with cash offers and bid, buy, and close fast.
loading rates table

Loading Rates...

Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.