
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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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.
Excellent service
he is knowledgeable, he gives you an appropriate advice on any questions you have.
Accessibility, professionalism.
Russ was amazing in communicating and helping understand every step of the process!
Very informative and everything was w
handled very well through the whole process
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.
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.
Easily accessible, very knowledgeable, walked us through the loan process, kept us updated on loan progress.
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
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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