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 is very personable. Russ exudes great care, and willingness to make the experience more than satisfactory. Very knowledgeable, all around great experience Very professional!
Great service and attentiveness. Thank you Russ!
Russ is pleasant, knowledgeable and incredibly professional. It was an absolute positive experience. I’m hoping he will conduct our next adventure!
Most importantly, Russ is always very honest with his advice. He and the FSB team are thorough, prompt and accurate. Always a smooth process.
Very helpful and responsive to all of my questions and calls. The whole process was easy and painless.
Russ makes the refi process simple and smooth. He is knowledgeable and personable and we really enjoy working with him.
Great timely service on the refinance
Russ is super friendly and is crazy knowledgeable! Makes the whole process easy, and trustworthy
I have been involved in the purchase of over 11 homes and this was by far the most painless when it came to the loan process. Thanks Russ for making everything so easy!
Russ has been fantastic to work with. He was easy to reach day and night and always has the answers needed.
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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