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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The whole process was so fast and easy, and communication was top tier
Reply from Russ Bray
June 3rd, 2025 03:28 PM
Thank you Sloan. I am glad it all worked out and wish you the very best moving forward!
Russ was SO helpful through the whole process. It was my first time buying a home and he answered every question I had. I would recommend him for sure!
Reply from Russ Bray
May 29th, 2025 04:44 PM
Thank you Hannah! It was great working with you as well. You were very detailed and made everything easy on my end as well. I do wish you the very best and hope you enjoy the new home. Please do not ever hesitate to reach out if you have questions...
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I had used five different financial institutions. Russ is the best financial officer I had met. Very professional, tuned to what I need and delivered. Great communicator through out the loans process. Thanks Russ.
Reply from Russ Bray
May 25th, 2025 09:12 PM
I enjoyed working with you on your home refinance. Thanks for the great feedback.
Service, communication, ease of application
Reply from Russ Bray
May 19th, 2025 05:32 PM
Thank you Darryl! I hope you and Patti enjoy the new home for years to come!
Russ Bray on referral.
Reply from Russ Bray
May 17th, 2025 10:41 PM
I really appreciate the feedback and look forward to working with you again.
Russ goes above and beyond in every aspect of the relationship
Reply from Russ Bray
April 27th, 2025 02:37 PM
I’m delighted to receive your positive feedback! We strive to provide exceptional service, and your review encourages us to keep up the good work. Thank you!
We have worked with Russ and team for over a decade now. They always go above and beyond, especially when it comes to responsiveness and communication.
Reply from Russ Bray
April 26th, 2025 02:56 PM
Thank you for your great review! I’m delighted to hear that you had such a positive experience with us. Your satisfaction is our ultimate reward, and we can't wait to provide you with exceptional service again in the future.
Russ explained every step of the process making sure I understood what was going and at closing made sure I understood what I was signing and why.
Reply from Russ Bray
April 15th, 2025 07:55 PM
Appreciate the positive response. Enjoy the side by side!
very in top of the required and went above that .
Reply from Russ Bray
April 7th, 2025 02:52 PM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your new home loan and for the great feedback.
Very open and direct with his communication. Always answered questions quickly in a way I could understand
Reply from Russ Bray
March 19th, 2025 07:47 PM
Congrats on the new home purchase! Glad you are finally getting all settled.
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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