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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Very professional, answered all the questions and made the process run smooth
Every decision we make either moves us closer to our destiny or takes us farther from it. Russ took out the time and move us closer to our destiny to build a future for our Daughter and for That WE'RE forever Grateful for Russ Bray the Best...
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Russ and his team were very professional and very informative. The communication was awesome. Any question we had was answered and explained with no problem. Thank you Russ for making this process go smoothly.
Russ was great to work with for us and our daughter. Would highly recommend him to others .
Russ was there every step of the way and made sure I knew exactly what was going on.
I felt that Russ was truly working on my behalf in obtaining financing for my new home. I appreciate his open and clear communication.
Russ was great to work with throughout the entire home buying process. He always provided great communication and was very thorough.
Love working with Russ!
Able to make the loan work the best way possible for us.
Russ went above and beyond to assist us with difficulties receiving IRS transcripts. We have referred others to him and will continue to.
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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