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 always available, it did not matter what time of day or what day of the week. Russ was very pleasant to deal with and always explained things in a manner that was very understandable. Russ was great to work with and we would use him...
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Reply from Russ Bray
September 21st, 2024 02:15 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 is truly amazing! It was a pleasure working with him again and always treats his clients well. A lifelong client and I highly recommend using him! He provides all of his clients top notch service.
Reply from Russ Bray
August 22nd, 2024 03:24 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Excellent experience … extremely informative and responsive throughout the process… was great to work with
Reply from Russ Bray
August 20th, 2024 02:17 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
Russ is always available, friendly, and ready to explain things in terms that are understandable. I also feel like he is on our side, and he is not in the business to make money but, instead, to help people.
Reply from Russ Bray
July 27th, 2024 04:27 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
Russell explains things so they are easy to understand. You can tell her cares and has your best interest in mind.
Reply from Russ Bray
July 23rd, 2024 11:56 PM
Thank you for your kind words! I’m thrilled to hear that you had a positive experience with us. We appreciate your support and look forward to serving you again soon.
Russ was great to work with!
Reply from Russ Bray
July 21st, 2024 05:47 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Communication and explain the loan with details!
Reply from Russ Bray
July 2nd, 2024 02:04 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 incredibly knowledgeable and always available to answer my questions. He guided me through the entire mortgage process and was reassuring as different issues were ironed out. He was always quick to respond to my emails and calls, which...
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Reply from Russ Bray
June 14th, 2024 02:32 PM
Thank you for your kind words! It's encouraging to know that we exceeded your expectations. Our team works hard to ensure every customer feels valued, and your review reassures us that we're on the right track.
We've worked with Russ and team over many transactions over the years. It's always a great experience and have often recommend him to others.
Reply from Russ Bray
June 10th, 2024 04:28 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.
Russ took all the time and effort to make this work even though we are in Africa right now.
Reply from Russ Bray
May 27th, 2024 03:35 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
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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