Russ Bray
Senior Loan Officer | NMLS # 449514
I am a Senior Loan Officer with First State Bank of St. Charles and have been in the mortgage industry since 2001.I am very passionate about trying to provide a stress-free experience throughout the entire loan process. Not every client is... Show More
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Answered all the questions I had
Reply from Russ Bray
May 12th, 2024 02:34 PM
Thank you for your kind words! I’m thrilled to hear that you had a positive experience with us. We appreciate your support and look forward to serving you again soon.
Russ was knowledgeable and helpful in every facet of the loan process. As first time homebuyers, he made us feel comfortable throughout the process and made sure we understood everything every step of the way.
Reply from Russ Bray
May 2nd, 2024 07:30 PM
Thank you Kate! It was my pleasure to work with both you and Nate. Thank you for the outstanding review and I am excited to see you both move into your first home! Best of luck in getting settled and we will talk very soon!!
Russ was knowledgeable, dependable and easy to work with. 10/10!!!
Reply from Russ Bray
April 24th, 2024 08:18 PM
Thank you for your kind words! It's encouraging to know that we exceeded your expectations. Our team works hard to ensure every customer feels valued, and your review reassures us that we're on the right track.
Russ was outstanding. He maintained great contact and guided us throughout the entire buying process. He made our experience with FSB mortgage very positive and we would recommend him to all our friends and family!
Reply from Russ Bray
April 7th, 2024 02:59 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Russ made himself available around the clock to answer any and all questions. Could not have had a better experience working with him. He is the only reason why I went through your company for the second time for my home mortgage.
Reply from Russ Bray
March 4th, 2024 06:18 PM
I appreciate it Spencer! Always a great experience working with you as well!
Russ is amazing. He is on top of all the details, and walked me through exactly what to expect during the transaction. I'll definitely bring my next mortgage to him.
Reply from Russ Bray
January 28th, 2024 12:25 PM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your new home loan and for the great feedback.
This is our second time to close a home loan with Russ, and he is knowledgeable and easy to work with.
Reply from Russ Bray
January 24th, 2024 03:05 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Russ, plain and simple. Attentive, knowledgeable and very, very thorough.
Reply from Russ Bray
December 30th, 2023 07:17 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Russ was very helpful through the refinancing process. He answered all of my questions and walked me through each step.
Reply from Russ Bray
December 27th, 2023 06:02 PM
I really appreciate the feedback and look forward to working with you again.
Russ was very personable and answered all of my questions. He was patient while I provided all necessary paperwork, and he was available anytime I had questions.
Reply from Russ Bray
December 19th, 2023 03:51 AM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
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About
I am a Senior Loan Officer with First State Bank of St. Charles and have been in the mortgage industry since 2001.I am very passionate about trying to provide a stress-free experience throughout the entire loan process. Not every client is the same so it is important to listen first and then be able to provide financial solutions designed to meet each client’s goals. With the ability to lend in all 50 states and having access to all loan products, including Conventional, FHA, USDA, VA, Jumbo, Portfolio, and MHDC, Being able to offer industry low-interest rates and low closing fees on our variety of programs has allowed me to develop close relationships with my clients and continue to work with them for years to come.
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
Specialities
Conventional
FHA
VA
USDA
First Time Homebuyer
Down Payment Assistance Programs
Nationwide Lending
Jumbo
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2001
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 449514
Disclaimer
First State Bank Mortgage, A Division of First State Bank of St. Charles, MO. NMLS #416668. Equal Housing Lender. Headquarters: 2850 West Clay Street, St. Charles, MO 63301 Not a commitment to lend. For licensing information, go to: www.nmlsconsumeraccess.org