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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Stayed on top of the process, even when bumps in the road were discouraging….did his best to smooth them out and encourage us to keep moving forward.
Mr Bray's effective verbal communications is marked with sincerity and conviction . Mr. Bray represents the excellence , spirt and professional dedication of a model career person . His concern , involvement, , and consideration for others...
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Russ is easy to work with and knows what I want and we knock things out fast.
Russ is very knowledgeable and also friendly. He has great communication.
Russ is knowledgeable and a pleasure to work with.
Russ’ personality, knowledge and explanations of every aspect!!! You should be very happy and proud to have him on your team!!!!!
Great communication, advice, and easy to use document portal.
Russ went above and beyond our expectations. He was proactive and awesome to work with.
Answered all of my questions and anticipated some questions that I did not ask. Responded very quickly to my requests.
Very simply, Russ's professionalism made it a great experience. I very quickly got a good "vibe" from Russ and felt that I was dealing with someone I could trust.
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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