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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The online application process made the application and anything else that needed to be uploaded completely easy and it was very user friendly. Russ has once again shown himself to be an outstanding loan officer and completed closing under...
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Russ dedicated so much of his time to educate me throughout the process.
Russ is the BEST! Efficient, excellent communication and made the experience incredible! Thank you so much! We cannot express how grateful we are!
Thanks Russ. We appreciate all you do for us. Made the refinance process easy and less stressful.
Mr. Bray guiding us all the way through the process. He knows what we need and making the process painless.
Russ was very professional and super nice and helped me with everything to get this loan!!!
Russ was extremely informative and always available for questions. He was easy to talk to and very kind. I would definitely recommend him to any friend or family member!
Russ was awesome to work with. Very focused on customer service. He even came to me and met me where I was in order to fill out the paperwork. Thanks Russ for a smooth experience.
Russ did a great job explaining the process upfront, so there were no surprises. I was always able to reach him when needed and he was very responsive. Russ made the process easy!
Russ was very supportive and helpful throughout the process!
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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