Brad Kerch

Vice President of Mortgage Lending
109 E. Michigan Ave., Saline, MI 48176
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NMLS: 902807
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Great care from Brad and his team.

Biju M. | July 2018

Brad Kerch made the whole refinance experience very easy and professional. I'm very happy with Guaranteed Rate and the great staff that helped me. Thank you.

Ed C. - May | 2018

Brad Kerch and Stephanie Caliendo were extremely helpful and readily available with information and explanations throughout the process. Both of them made things easy and understandable, especially for someone who has not gone through the home-buying process before.

Tatum C. | MAY 2018

Mr. Brad Kerch was very professional, informative and answered all our concerns. He is the best!

Jose G.

Brad was very knowledgeable and spent a lot of extra time to make sure I understood everything. I've closed 3 loans with Brad this year and plan to use him for another investment property purchase. Thank you!

David R. - Plainfield, IL | AUG 2016

A very smooth process! Thank you Brad and team!

Vipul Nidhi S. - Sunnyvale, CA | AUG 2016

Brad was the best! Without Brad and his team I would not have hung in there in getting this home! Thanks to Brad, GOD will bless you, you have made my dream come true. Best customer service I ever came across! Very respectable, answer questions timely and told me exactly what I needed to get this done (no run around) and when I got the documents like they said, the process closed without a hitch.

Karl B. – Alsip, IL | Apr. 2015

Brad was great, very personable and easy to get hold of!

Scott M. -- Brooklyn, MI 6/30/2014

About Brad

After graduating from the University of Michigan, I started my journey into the mortgage industry. I have been writing loans for 5 years now and love helping people save money and educate them on the loan process for not only first time home buyers, but all of my clients that might have questions.


Brad interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I stumbled my way into the industry 5 years ago while painting my previous boss' home. I have always been into business and loved numbers so it has worked out well.
Who is your typical customer and what questions do they typically have?
I do a lot of local business but also gain my clients trust pretty quickly, so I work very well with lead clients as well.
What specific steps do you use to help your customers find the best home loan for them?
I love sending out loan summaries so my buyers have a good estimate of what they can afford.
How long have you been in the mortgage business? What awards have you won?
My first year in the business, I won rookie of the year out of 80 Loan officers. The following year, I was voted as most likely to be #1 loan officer in the country by my peers.
What advice would you give new or first time home buyers?
Get preapproved 2 months before you want to start looking for homes.
Tell us about a mortgage product that consumers may not be aware of?
PMI. There are so many different types of mortgage insurance products.
How has the mortgage industry changed since you started, and what would you expect in the future?
The mortgage industry changes all the time so staying up on current regulations is key to getting clients approved and not wasting their time if they cannot.
What part of the home loan process do customers find most difficult and how do you help them through it?
I run credit simulators on all of my clients to try to raise their score during the process
What are the top 3 misconceptions people have about the home loan process?
It is a lot of paper work, hard to get approved, and having your credit ran hurts your score.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
Our company app is extremely helpful and allows buyers to manually price out their mortgages.
What can borrowers do to insure a smooth mortgage underwriting process?
Get all of the supporting documents ready up front.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I love being active and spending time at the lake with my puppy. If you come into my office you will see him as well.

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