“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, & refinance experience.”
- Russell Smith -
USDA income limits 2020 increase allows more home buyers purchase a home with no down payment. Effective May 2020 through April 30, 2021, USDA...
VA loan rental property streamline refinance is available just like a primary residence refinance. That means a primary residence VA loan rate, no...
VA loans already offer a no money down payment purchase loan. But, what if we add Veteran down payment assistance of $7,500 – $10,000? Even...
VA seller paid closing costs and VA loan seller concession rules allow a seller to pay all of the buyer's closing costs, plus pay buyer's debt, lease...
VA eligible buyers and owners realize that manufactured homes offer more affordable home prices compared to other homes. Therefore, using a VA loan...
These days, many buyers are looking for a home with a lot of land. Additionally, some buyers are looking to buy a horse farm for sale. What many...
A very popular way to build wealth is through buying rental property. Although, significant funds may be required. Because of this, building a...
Let us show how to buy a house with the payment you want. Basically, this starts with reversing the buyer's thought process from find the home first...
During tax season, low to middle income families have more money than any other time of the year. Therefore, tax season is the best time to buy a...
Are you 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 lender experience, you have come to the right place. Russell Smith has spent his 25-year career providing successful closings to thousands of buyers, homeowners, and real estate professionals. In addition to his high level service, Russell provides a diverse array of home loan products across the nation. We provide the perfect combination of experience, process, and product. Therefore, the highest level of success is achieved. Furthermore, part of this process even includes an up-front underwriting approval. Thus, buyers and their Realtor have peace of mind making an offer to purchase.
I believe that matching the right mortgage loan solution with a client’s goals and specific scenario is key. The result is a successful mortgage loan closing. First of all, it starts with the initial conversation. So, the client and I have a thorough discussion up-front to ensure the best chances of success.
Throughout the home loan process, the communication and execution continue through closing and beyond. In addition, being available and providing education to my clients is a priority for me. Because informed clients make better decisions and close their loans on time. Most of all, they feel good about those decisions. At the end of the day, my success is measured not in the loans that I close. But, in the satisfaction of knowing my clients have achieved their personal home ownership and/or financial goals in the process.
The level of service provided is not just because of me. I have the best team headed by Amy Kurtyka. She is the main point of contact with underwriting, closing attorneys, and appraisers. Also, Amy is the best at moving a file efficiently through to closing and is a great problem solver. Additionally, she is my sister and we have been working together for 18 years in the mortgage business.
We encourage you to review our blog, loan programs, and reach out to us.
Russell is a true professional who truly enjoys helping other people. Russell and his team will go above and beyond to take care of your mortgage needs whether you are building, buying or refinancing. If you are looking for mortgage options I am confident that you will find that Russell and his team are the best in the business offering you good sound advice and the expertise to help you through the mortgage process.
July 21, 2019
Russell was an huge asset to my husband and I when we purchased our home! He made the process incredibly seamless.Everything went off without a hitch on his end. My parents recommended him to us, and we hope to use him again for a future home purchase.
July 19, 2019
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!
July 21, 2019
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.
Pat Heath, REALTOR ®
July 21, 2019
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.
July 21, 2019
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.
Linda Mehner, REALTOR®
June 19, 2020
It has been such a pleasure working with Russell Smith. He is knowledgeable, professional, prompt and goes out of his way to handle any issues that arise. Buying a home is very stressful, he and his team took so much stress off of me during the entire process. Amy, who is the main point of contact, is a huge asset to the company, she helped me so much as well. I highly recommend them for all of your lending needs.
September 30, 2019
My husband and I were recommended to Russell Smith, by our daughter and son in law. They had talked about what a good experience they had with Russell and Blue Ridge Bank, when they bought their home. We were very pleased with how everything was handled in a professional way. Russell was very helpful. We would certainly recommend Russell and Blue Ridge bank to others who may be buying a home or refinancing their present home mortgage.
September 30, 2019
I just wanted to say THANK YOU TO EVERYONE at Blue Ridge Bank Mortgage. I have never worked with a lender that has made a closing happen this fast and not to mention without any confusion. You kept everyone on the same page. You all are FANTASTIC!! I wish I could work with you on every closing.
October 2, 2019
We could not have been more delighted and pleased to have Russell Smith and his team handle our recent home financing. From start to finish the process was fast, efficient and stressless. Our loan was fully approved well in advance of our closing date, and we look forward to having Russell help us with any future mortgage needs. Highly recommend Russell Smith and his team at Blue Ridge Bank!
October 2, 2019
Russell Smith and Amy Kurtyka are simply the best in the business. They completely saved us from disaster during our home purchase. My wife and I had been working for almost 2 months with another bank on a mortgage. 1 week before closing, despite meeting all conditions, the bank denied the loan. We were crushed and desperate. With us WAY too far along in the process to start the home search again, and with an anxious seller, there was only one person recommended to us: Russell Smith. They told us if anyone could pull it off it was Russell (and Amy). And they did it. IN 6 DAYS (start to finish) we were approved and were able to close on the original close date. No one can believe it, and neither can we. Russell and Amy worked well into the night every one of those 6 days and pulled off the impossible. Now we have our dream house. We will forever be in their debt'…'so to speak. I will never work with another bank. Blue Ridge Bank should be the first and last place you look to meet your lending needs. Don'’'t waste your time, go with the best.
October 9, 2019