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 was very thorough and patient when explaining the entire process from start to finish and answering all of our questions. He was extremely professional and laid out all of our options and never pressured us one way or the other but gave...
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Reply from Russ Bray
January 31st, 2025 04:18 AM
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.
Russ made the whole process so smooth and easy to understand and was available to answer any questions that we had.
Reply from Russ Bray
January 28th, 2025 10:07 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
I am definitely going to go back to first bank if I need anything in the future.
Reply from Russ Bray
January 20th, 2025 02:59 PM
Thank you for the wonderful review! Making customers happy is our top priority, and I’m thrilled that we succeeded with you. I hope your enjoy your new home!
Russ was awesome to work with . He made purchasing my home an excellent experience. He took all the stress out of the financing . I really appreciate that he kept me informed through the whole process, letting me know what I needed to do and...
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Reply from Russ Bray
January 12th, 2025 03:03 AM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Russ was great to work with. He was very knowledgeable and always available to help and answer any questions I had
Reply from Russ Bray
December 11th, 2024 06:38 PM
Thank you Abby! I really do appreciate the opportunity to work with you and wish you the best in your new home!
We appreciate all the work that Russ did to help us and answer all our questions!
Reply from Russ Bray
November 11th, 2024 03:20 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. Providing exceptional experiences for our customers is what we strive for, and your feedback motivates us to keep pushing forward.
Russ was very clear and walking this through the whole process and was able to explain and answer all questions adequately! Russ was very professional and enjoyable to work with.
Reply from Russ Bray
October 26th, 2024 02:08 PM
It was great working with you. Thanks again for putting your trust in us.
Russ had great communication, was helpful and very proactive from the start to finish of the closing process! Would highly recommend.
Reply from Russ Bray
October 23rd, 2024 02:35 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Russ was easy to contact at any time of the day. He did a great job of explaining everything along the way.
Reply from Russ Bray
October 15th, 2024 02:06 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Mr. Bray was very knowledgeable and a true professional. I can’t thank him enough for the time and effort he put into our financing experience. I can say that I believe he honestly cared about doing a great job for us and that’s what he delivered....
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Reply from Russ Bray
October 2nd, 2024 07:12 PM
Thank you Kevin! I enjoyed working with you and Clara. Best of luck on the move to Florida and i will be in touch soon!
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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