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Russell Smith, Loan Officer Communication & Execution You Deserve (Blue Ridge Bank Mortgage) Mortgage and Lending



Russell Smith
Loan Officer Communication & Execution You Deserve
location_on Wilmington, NC — Blue Ridge Bank Mortgage
NMLS # 78989
Get to Know Russell Smith

Whether a first time home buyer, military service member or Veteran, repeat buyer, Realtor, builder, homeowner, or investor - if you are looking for the best mortgage loan experience, you have come to the right place. Russell Smith has spent his 25-year mortgage career helping thousands of buyers, homeowners, and real estate professionals have a successful closing. In addition to his well-known high level of service, Russell provides a diverse home loan product mix to clients across the nation. We provide the perfect combination of experience, process, and product so that the highest level of success is achieved. Part of this process even includes an up-front underwriting approval to give buyers and their Realtor peace of mind when making an offer to purchase. Start your home loan approval online here.

Types of Mortgages Offered Nationwide
• Construction to permanent loans – Conventional, FHA, VA
• VA loans
• FHA loans
• USDA loans
• Down payment assistance
• Refinancing including VA, USDA, and FHA streamline refinances
• Portfolio loans for scenarios that just miss traditional guidelines
• Rehab loans
• Second homes
• Rental properties
• Bridge loans
• Home equity lines of credit
Additional bank sources include reverse mortgages, commercial loans, and more
Another area I focus on is providing top level service and education to Realtors. Often a successful real estate sale starts with a high-level strategy discussion before the purchase process even begins. By explaining potential strategies plus pitfalls, a Realtor can pass along this valuable information to his or her buyer or seller. It is a fact that Realtors who provide education and strategies to their clients, have more confident, happy buyers and sellers that close.

Wilmington & Leland, NC USDA, No Money Down Eligible Areas

Wilmington New Hanover County USDA Eligible

Do you want to live in the East Coast Paradise of Myrtle Beach?

Myrtle Beach, SC has long been a vacation destination but it is also a great place to live including the surrounding areas like Conway, Loris, Longs, Little River, and North Myrtle Beach.  Horry County, SC is a popular military Veteran destination as well and Team Move have helped many Veterans purchase their dream home.

Myrtle Beach & Horry County USDA, No Money Down Eligible Areas

Horry County, SC USDA Eligible Areas

Are you having a problem with down payment?  Down Payment Assistance is available for first time and move up buyers allowing for a very easy entry into the local market.  

 NC Housing Finance Agency Down Payment Assistance

Are you a military Veteran and want to build your dream home?  We offer a VA Construction to Perm closing with no down payment required!  Learn the benefits of a construction loan here

VA & FHA construction perm loans with one-time close

Looking for a VA No money down home loan?  We can help you obtain your certificate of eligibility, DD-214, buy a luxury home with a VA jumbo loan, or lower your rate on your existing VA loan.  We are VA loan experts! Learn more about VA tips here

Best Reviewed & Expert Service for VA Home LoansQuote from a recent VA purchase where veteran was in the field during the whole process: "Thank you so much for being so easy to work with! Also, I can't thank you enough for being so understanding of the military schedule. It wasn't easy at times with me being away, but your team was absolutely wonderful and so easy to work with. I can't say enough positive things. Thank you so much for being so helpful and answering the thousands of questions I/we had.  Your team did an amazing job! I couldn't have asked for better service!"C. and A. Collins, USMC, Hampstead, NC


See How our Purchase Process Benefits You and Gets You From Here to HOME!


Russell Smith, Senior Mortgage Loan Officer - NMLS #78989


Blue Ridge Bank, NA Mortgage Division

6303 Oleander Drive, Suite B-103, Wilmington, NC 28405




Brenda D
Russell and his team helped our family with building our forever home. His expertise in the mortgage field made the process easier for us to understand and complete. While we are not done with the process we are confident in our recommendation to anyone in his area that he and his team will work hard for you.
Sonya F
Russell and his team are excellent, and I highly recommend him to anyone. I was a 1st time buyer and the whole buying experience was new to me. They walked me thru the process every step of the way. When I sent emails or asked questions they always responded quickly. The buying process went smoothly, never would have thought that a loan officer would have been so trustworthy and professional. I would recommend their services to anyone. It was almost as if they had became good friends that I had to depart from at the closing. They were GREAT!!!
Marta S
Russell Smith and his team are topnotch professionals who will help you every step of the way in the process of buying your home. Russell returns calls and emails in a timely fashion, takes the time to answer any questions you might have, and explains exactly what he needs from you to keep the process moving. You quickly realize that you can trust his expertise at every point. I highly recommend Russell & his team to anyone thinking of buying a home
Val E
I trust Russell and his team so much that I've enlisted them twice in less than two years to help secure my loan and purchase our new home. I find Russell and his team very easy and reasonable to work with. The process is smooth and flawless. Great job Russell and thanks for a job well done!
Carol B
Russell has just helped me with buying my first home and I can't say enough good things about him. He was very professional and was always on top of things, which in return made the buying process much easier. If anyone is considering buying a home, I promise you that you couldn't find a better mortgage broker!
Vanessa K
Russell & his team helped me finance the purchase of my first home, and after working with them, I would recommend them to anyone. The property I had been renting was being foreclosed on, and I was given almost no notice to vacate, so I needed to find something quickly. Russell and his team were extremely attentive and diligent throughout my search, reviewing each property I considered and giving me estimates on what my monthly payments would be for each, which helped me greatly to facilitate a quick decision. They were Superheros when it came to exploring different financing options, and finding something that would not only work for me, but with a better interest rate than I expect I would have gotten elsewhere. They always seemed to be available when I needed them, and they were always on top of everything throughout the entire process. I sincerely hope I do not need another mortgage anytime soon, but if I do, I know for sure who I will be going to! Thank You for Everything!
Pat Heath - Realtor
I had the pleasure of working with Russell and Amy on a transaction that I thought was "dead in the water". Their team had actually been recommended by another agent who had used their services and thought they might be able to assist my buyer and me. To my surprise, they were able to provide the kind of assistance that resulted in a successful closed transaction. Russell and his team were always professional and responsive to our every request and need. There was never a time when we called that they did not respond immediately. My client and I were thrilled that they were able to get us closed when we both thought that all hope was lost. Today, my buyer is the proud owner of her first home, due in no small part to the hard work, knowledge, and dedication of this team. I am more than satisfied with the outstanding service that I and my client received, and will not hesitate to refer them to other clients, or use them whenever I can.
Dave Chiprut - Realtor
Russell Smith and Amy Kurtyka served my clients and myself to the fullest on a recent purchase. They were thoroughly involved right from the very start to the very finish. Russell even attended the closing. Amy kept us fully informed of progress throughout the loan process with status emails that helped keep everyone on track. A job well done!
Michael Bell
Russell has always been someone you can trust in the mortgage industry. He goes above and beyond for his clients, while also continuing to perform his work with integrity. His teams have always produced great results and are very good to work with.
Patty Jacobs
Russell Smith is an extremely committed mortgage professional whose customers have enthusiastically recommended him. I am a Mortgage Insurance provider for his company and the quality of his work is excellent. His reputation is stellar and I highly recommend Russell and his team!
Linda Mehner
Russell is a dedicated mortgage professional with a high level of integrity who, since 2010, has assisted several of my buyers with obtaining a mortgage. In addition to having an outstanding knowledge of the business, Russell is honest, trustworthy, realistic about what it takes to get a loan closed and does it in a timely manner. I highly recommend him for anyone in the market for a mortgage or refinance of their home
Robbie Norris
I am highly qualified to recommend Russell Smith, not only have I known his since I was a kid but he has handled the financing for every home I have ever owned. I can tell you as long as he is alive and in the mortgage business, no one else will ever handle a loan for me. Simply put, he is the best. He is very detail oriented, he makes himself very accesible and works hard to get the best loan for his clients. If you are looking to finance a home, do yourself a favor; put your trust in Russell and let him take care of it.less
Kip Nance
Looking for an honest, loyal, knowledgeable, professional, and dedicated mortgage professional? Then here is the guy! I have had the pleasure of working with Russell and his team for over three years now. When I discovered Russell the housing market had fallen, many Realtors were leaving the industry and I had buyers but none could obtain financing at almost every bank there as at the time. I was diligently searching for a professional loan officer that shared my ethics and concerns when it came to my clients. I take working with my clients personally and feel that everyone of them can be a home buyer. I was searching for a loan officer that felt the same. My first initial contact with him was by phone. Dozens of questions were asked and answered. Near the end of the conversation Russell said, "Kip, I feel that every applicant can be a home buyer with a little education." I knew I had found my preferred lender of choice. I met with him and his team over the next few days. I submitted dozens of turn downed applicants and was so impressed at an answer to not only them, but an answer in response to me each time thanking me for the referral and a detailed plan of execution for each client to aid them in obtaining the American Dream. Over 80 per cent of the buyers I had worked with to be turned down by other lenders were approved and proceeded to close under the professional guidance of the Russell Smith Team. I have never worked with a lender that is as dedicated as much to your success as he is to his own. It is important to be able to speak directly with a lender as you represent the rights of others. It is important to a Realtor to have everyone in the office know you voice, respond to your request in professionalism, and want to close every transaction as much as your buyer and seller wants to . I have witnessed Russell's expertise in deals that were in trouble, situations that other mortgage pros would just close file, deals that have a high probability in never making it to closing, and anxious nervous clients not sure how to proceed. I saw him and his team recommit to getting the job done, communicating to every party involved, and calming the concerns of your client. When you add to this that the AMOUNT of the loan made no difference you can easily ascertain that this is the BEST of the best. Shucks, I got so use to having this professional team take care of so much that I have had to remind myself what is necessary to accomplish once a seller and buyer have agreed upon terms with me and the file goes to them for most all of it is handled through them in house. What a professional team to have as a source to send your clients! I count it an honor to recommend the services, the knowledge, the sources, and the talent of Russell Smith and his team when it comes to securing your American Dream! I encourage each homeowner, potential buyer, Realtor, and any other Real Estate Pro to get to know him. You will be glad you did

“Everything in the mortgage process comes down to two common denominators – communication and execution. That’s where we excel in creating the best purchase, building, or refinance experience.”