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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Russ has worked with me for many months as I got the documentation I needed and reorganized my life after a divorce. He was extremely helpful in explaining each step I had to navigate. Once we got to the final days before closing, it felt like...
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Russ was with me every step of the way during the loan process. I really appreciated that he was available to answer all my questions and guide me through the steps. It was very appreciated, and I would definitely recommend Russ to others!
The process was quick and easy
Russ is amazing to work with! He gives great advice and timely responses!
Russ could not have provided a better service. He was helpful, informative and had our interests in mind. I’ve referred many friends and family to him in the last and will continue to do so.
I have worked with Russ twice now. First with my 30 year mortgage when I bought my house almost 4 1/2 years ago. And now when I refinanced my mortgage. Always great service and great advice.
Prompt knowledgeable courteous service at the best price
Russ was very responsive. I'm a first time homebuyer so it was great to have someone who was willing to walk through the details for me. I would definitely recommend him to friends or family.
He made both experiences with buying our first home and refinancing it easy and pain-free for us. He answered every question I had and was always available. He also would bring the final documents to me to sign and review in person so I understood...
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Russ always communicated exactly what the status of everything was in an extremely timely manner, was always pleasant and professional, was knowledgeable and was very helpful with everything. He handled what could have been a challenging experience...
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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