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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As first time home buyers, Russ was great in explaining the ins and outs of the loan process for us to have a better understanding. He answered our questions thoroughly and had great communication during the whole process.
Reply from Russ Bray
November 13th, 2023 04:21 PM
Thank you for the wonderful review! Making customers happy is our top priority, and I’m thrilled that we succeeded with you. I hope your enjoy your new home!
Russ went the extra mile to make the loan process smooth and easy.
Reply from Russ Bray
November 8th, 2023 03:27 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Russ was very friendly, personable, prepared, easy to understand . Thanks Russ your the best!
Reply from Russ Bray
October 21st, 2023 12:42 AM
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 has truly been a joy to work with. He is professional, extremely knowledgeable, always willing to jump on a call and answer questions, no matter how early or late. It was truly a pleasure working with him. He doesn’t mind taking extra...
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Reply from Russ Bray
October 13th, 2023 09:01 PM
Thank you Bethani! Congratulations on the purchase of your 1st home!! I enjoyed working with you as well. I wish you the best in getting settled and look forward to hearing how much you enjoy the new place. I am very happy for you both!!
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I was lost till Russ took me through everything great communicator and personality!!! You really need more than 5 stars to give an honest opinion of how well Terry and I have been taken care of so much thanks to Russ and his team.
Reply from Russ Bray
October 12th, 2023 11:30 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Everything was clear and concise. Made our first home loan a very positive experience.
Reply from Russ Bray
September 28th, 2023 08:01 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
The people were so nice & very helpful!
Reply from Russ Bray
September 25th, 2023 02:26 PM
Thank you for taking the time to share your experience. If I can be of further assistance to you, or your family and friends, please let me know.
Russ was very personable and great at explaining the process to a new homebuyer. Overall the experience with first state bank was very welcoming and personal
Reply from Russ Bray
September 1st, 2023 08:46 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Russ has always treated us like family from the 1st loan to this one being the 4th loan. Russ takes care of everything and very involved from start to finish. Russ returns phone calls and texts very timely. One loan Russ even did it being on...
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Reply from Russ Bray
October 13th, 2023 09:04 PM
Thank you Lee and Jeannie! I finally gained access to the system. Hope all is well and you are enjoying the new home. I apprecicate the kind words even if i am several months behind in being able to read them!! You two are both amazing and...
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Thank you Russ for helping our family with our home purchase. Really enjoyed working with you.
Reply from Russ Bray
October 13th, 2023 09:08 PM
Tony hope all is well. I appreciate the kind words. I am a little late in having access to see your review here. Thank you and I enjoyed working with you as well!
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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