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Russ Bray - Senior Loan Officer  | NMLS # 449514 in Saint Charles, MO

Russ Bray

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Senior Loan Officer | NMLS # 449514

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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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Reviews from Web
  • Encompass
    F
    Fernando M
    SAINT LOUIS, MO
    Posted on December 3rd, 2021 03:32 PM
    He made the whole process very easy and smooth. I feel he really took care of me and my needs fast smooth and with lots of communication.
  • Encompass
    R
    Rodney L R
    Waterford, VA
    Posted on November 25th, 2021 06:19 PM
    Excellent service
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    J
    Jesse B
    Shawnee, KS
    Posted on November 16th, 2021 08:58 AM
    he is knowledgeable, he gives you an appropriate advice on any questions you have.
  • Encompass
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    Wendy J S
    LAKE ST LOUIS, MO
    Posted on November 5th, 2021 04:06 PM
    Accessibility, professionalism.
  • Encompass
    J
    Jessica F
    CHESTERFIELD, MO
    Posted on November 2nd, 2021 05:41 PM
    Russ was amazing in communicating and helping understand every step of the process!
  • Encompass
    B
    Brad B
    Saint Louis, MO
    Posted on October 28th, 2021 06:04 PM
    Very informative and everything was w handled very well through the whole process
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    K
    Karen M M
    O FALLON, MO
    Posted on October 28th, 2021 03:00 PM
    Russ, has excellent communication and updated us throughout the entire process. Sandy was also fantastic to work with. The refi process was SO easy, I just wish I had done it years ago.
  • Encompass
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    Rebecca L H
    Saint Peters, MO
    Posted on October 27th, 2021 06:49 PM
    Russ was personable and warm. He made the process simple and easy to understand. He also had great response time, which is necessary in this situation.
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    David W G
    Saint Charles, MO
    Posted on October 24th, 2021 04:37 PM
    Easily accessible, very knowledgeable, walked us through the loan process, kept us updated on loan progress.
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    Martin J R
    WATERFORD, VA
    Posted on October 21st, 2021 06:10 PM
    Responsiveness and thoroughness. Focus on meeting my needs as the #1 priority
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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
    View All
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    Addresses and 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