Shad Whaley

NMLS 1999864

115 N Clark St, Rigby ID 83442

Get to know me

I’m Shad Whaley, a mortgage loan officer based in Katy, TX, dedicated to helping families achieve homeownership since 2021. I specialize in first-time homebuyer programs, FHA, refinance, home equity, and investment loans. A Utah State University finance graduate, I value clear communication, education, and creative problem-solving. Outside of work, I enjoy rugby, camping, hiking, fishing, and spending time with my wife and three kids.

My experience

Licensed in:

Idaho

Texas

Utah

Loan Products:

Adjustable-Rate Mortgages (ARM)

Conforming Loans

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Non-Conforming Loans

USDA

Languages spoken:

English

Brokerage info

What you can expect from me.

Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.

Who do you love helping most, and how do you make the home loan process easier for them?

I enjoy helping all borrowers, but it’s especially rewarding to guide first-time homebuyers into their first home—especially when they never thought it was possible.

What should clients expect when working with you from start to finish?

Clients can expect clear communication, guidance, and education at every step. I make the mortgage process smooth, stress-free, and focused on the best loan solution.

How do you feel about clients starting the conversation before they’re ready to purchase?

I encourage it! Starting early lets me help clients prepare, improve their finances, and understand their options so they’re confident and ready when the right home comes along.

How do you work with clients buying out of state?

I guide out-of-state buyers every step of the way with clear communication, remote document handling, and personalized support to make the mortgage process smooth and stress-free.

Where and how do you typically connect with clients?

I connect with clients wherever is easiest—phone, email, video calls, or in person if available—providing flexible, clear, and supportive guidance throughout the mortgage process.