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Russell Smith
Sr Loan Officer / AVP (20 years experience)


Purchase Loan, Refinancing, Mortgage Planning, Construction Perm - one closing

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My mortgage team specializes in making your mortgage experience a great one through an expert and efficient process. I have been a mortgage professional for 20 years and my team has been working together for over 12 years. We have a multitude of products for today's borrower including construction perm loans to 95% LTV with a one-time close, several purchase rehab products, VA, FHA, USDA, conventional, jumbo, Homepath, and many others. We are also an approved lender and preferred loan officer status with NC Housing Finance Agency's programs which include down payment assistance and MCC tax credits.  Call our team today for expert service and a quick closing.  We not only help buyers through the mortgage process, we make the realtors and closing attorneys look good because of written updates throughout the process, closing packages to the closing attorney days prior to closing, accurate up front quotes so there are no surprises, products and underwriting that will close loans, and excellent terms as well.  Remember – Execution, knowledge, and communication are so important and that is what we give to you!  Ask anyone that has worked with us.

The views expressed on this post are mine and do not necessarily reflect the view of River Community Bank, N.A.

Not all products or services mentioned on this site may fit all people.

Ratings & Reviews
- Highly likely to recommend
06/04/2014 - zuser20140604161437149
Closed purchase loan. Castle Hayne, NC
Russell helped me finance the purchase of my first home, and after working with him, I would recommend him 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.

Russell was a Superhero 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. He always seemed to be available when I needed him, and he was 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, Russell!
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- Highly likely to recommend
05/06/2014 - xwireless07
Closed purchase loan.
Russell is great to work with and made the process very smooth and i never had any problems. He was always prompt and always followed through on everything making the experience great. I would definitely recommend him to anyone.
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- Highly likely to recommend
04/02/2014 - tammylmckittrick
Closed purchase loan. Wilmington, NC
We feel SO incredibly lucky to have found Russell & his team! They closed our USDA home loan, from start to finish in 19 business days (12 of those days were USDA's processing time)! After two awful months of working with a different lender, a large national chain, we were beyond frustrated and at our breaking point. We were mislead and disregarded time and time again. Our first closing date had to be moved and our second crept closer and closer with no end in sight. Our loan package was still nowhere near ready to send off to USDA, despite our willingness to do and provide everything that was asked of us immediately. We dealt with a complete lack of communication, many unanswered questions, and no real concern for the position our family was being put in or the stress being placed on our sellers. We came to a point that we feared our entire home purchase was going to fall through. We heard through the grapevine that Russell was a miracle worker and we definitely needed a miracle so we made the call. Our only regret is Russell wasn't our starting point! After explaining to him our situation, he and the rest of his team (Amy, Judy, & Bob- all WONDERFUL!) immediately sprang to action and went above and beyond expectations to make sure every piece was in place to get our loan through underwriting and off to USDA as quickly as possible. We are still completely amazed at how smooth things went as soon as we began working with them and just wish we had started with them so we could have had more time working with these great folks and saved ourselves a ton of stress. Not only did he and the rest of his team have complete knowledge of the industry and USDA, they also gave us the genuine care and understanding on a personal level that we were seeking from the professionals we wanted by our side as we worked to make our dreams come true. We recommend Russell, Amy, Judy, & Bob 110% and will be singing their praises for a long time to come!!!  MoreLess
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Professional Information
River Community Bank, NA
128 Jefferson Street
Whiteville, NC  28472
(910) 914-0655Click to view
(910) 352-6344Click to view
(910) 914-0255Click to view
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