First State Bank of St. Charles, Saint Charles, MO
Saint Charles, MO
We’re a full service mortgage lender with an experienced staff offering mortgage loans for everyone – whether you are buying your first home, refinancing to lower your payments, or building a home from the ground up.
Since 1867, we have se... Show More
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Chesterfield
Chesterfield has received a review with 5 star rating from Joshy P
Reply from Owner
July 4th, 2021 12:00 AM
Joshy, thank you for the positive review! Please let us know if we can assist you in the future.
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First State Bank of St. Charles
Working with Russ Bray has been such an amazing experience, Russ is very thorough and patient when explaining the entire process from start to finish and answering all of our questions. He laid out all of our options and never pressured us...
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Reply from Owner
October 3rd, 2025 12:00 AM
Thank you so much for your kind words, David! We appreciate you taking the time to share your experience with us!
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First State Bank of St. Charles
First State Bank of St. Charles has received a review with 5 star rating from Sharon S
Reply from Owner
October 3rd, 2025 12:00 AM
Thank you for your review, Sharon!
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Chesterfield
Chesterfield has received a review with 5 star rating from Nicholas O
Reply from Owner
July 4th, 2025 12:00 AM
We appreciate the five stars, Nicholas!
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Ron was very knowledgeable and helpful through every step of the process. He was always available to make the process as smooth and easy as possible. I would definitely recommend him to others.
Reply from Ron Ruzicka
January 30th, 2025 11:29 PM
I really appreciate the feedback and look forward to working with you again.
Jim is fantastic! Everything in the transaction went really smoothly. Very professional with great communication. I will definitely refer him to other clients for their mortgage needs!
Jim & his team were fantastic! He went to bat for us through every step of the process — keeping us informed, giving us options, and determinedly helping us get our dream home. Our family is forever grateful!
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There was never a moment when I was not aware of where we were in the process . The easiest mortgage process I have ever had.
Reply from Phil Scaglia
January 29th, 2025 06:36 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
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Everything went smoothly with clear communication.
Reply from Shad Lager
January 29th, 2025 03:31 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
I have worked through several transactions with Mr. Jim over the past few years. He has been one of the best mortgage brokers that I have ever had the pleasure of doing business with. He is extremely knowledgable in his trade and is very helpful...
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About
We’re a full service mortgage lender with an experienced staff offering mortgage loans for everyone – whether you are buying your first home, refinancing to lower your payments, or building a home from the ground up.
Since 1867, we have served the lending needs of our community with integrity and a dedication to excellence.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
USDA Loans
Qualified Mortgage Pre-Approvals
Our Company
Time Zone
Central Standard Time (CST)
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