Russell Smith

  • Senior Loan Officer
  • NMLS: 78989
  • (910) 445-0300
  • (910) 352-6344
  • 1424 South JK Powell Blvd, Suite E
  • Whiteville, NC 28472
  • - 5.0
Survey Completed on November 14, 2020

Reviewed by Ernest Badalov
"Great service!"

  • - 4.8
Survey Completed on November 12, 2020

Reviewed by Debra P Horn
"Russell was very quick to respond and answer all my questions. He was very pleasant to work with."

  • - 4.8
Survey Completed on November 9, 2020

Reviewed by Stephen Byron Long
"Russell is very professional and knowledgeable of the mortgage, refinance process. This is my second experience with Russell, and I recommend him when I hear of anyone looking mortgage advice. "

  • - 5.0
Survey Completed on November 7, 2020

Reviewed by Jesse Michael Glenn
" "

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.

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.” Russell Smith

I believe that understanding how to match the right home loan solution with each individual client’s goals and specific scenario is key to a successful mortgage loan closing - starting with the very first conversation. So, the client and I have a thorough discussion up-front to ensure the best chances of success. Throughout the home loan process, 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, close their loans on time, and 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 homeownership and/or financial goals in the process.  

The level of service I provide is not just because of me. I have the best team headed by Amy Kurtyka who is the main point of contact with underwriting, closing attorneys, and appraisers.  She is the best at moving a file efficiently through to closing and is a great problem solver. Also, she happens to be my sister and we have worked together for 18 years in the mortgage business.

Types of Mortgages Offered

  • 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. 

Personal Side of Russell Smith

My favorite thing to do is hang out with my wife Angela and our children Anna and Drew (and our cat May). You just don’t know how proud I am of my family. In addition, I enjoy hanging out with friends and family, golfing, trying to live a healthy lifestyle, working in our yard, helping others, and believe it or not, I get a kick out of mortgages. Actually, I’m more like a mortgage geek and have even written hundreds of blog articles on mortgage and real estate solutions. Many of my articles rank number one on Google. Check out for to learn more.  My family and I are members of the Lake Waccamaw United Methodist Church. To sum it up, I’m a Christian, family man, will give a perfect effort (although, I am not perfect), I’m serious about business, I’m fun loving away from work, and always looking for ways to help others.

Achieve Your Dream Home Goals!

Thinking about buying, building, refinancing, renovating, or investing? Choose my team’s top notch experience! Reach out to start a discussion and experience the difference in communication, responsiveness, efficiency, and execution of our team. 

“Russell and the team at Monarch Mortgage did an exceptional job of working with us to qualify for, process, and ultimately, close on, a loan package that was perfect for our situation. We can't say enough about the clear communication, rapid responsiveness, and helpful guidance that they provided every step of the way. This is our third time purchasing a home and this has been our greatest experience with a lender yet. We would highly recommend them to anyone looking to purchase or refinance their next home.”

Justin R.

“I can't say enough about how pleased we were with the team. Russell worked with us to find our best fit options and timelines. Russell was always prompt in response, even after business hours. Closing was on schedule because of their effort. Thank you.”

Robert H.

“After contacting several other lenders who were unable to help, I came across an article of Russell’s. He was able to help get me into my first new home while providing excellent service along the way. Russell and the rest of the team are very knowledgeable, respectful, and efficient.”

John I.

"Russell and the whole team were great, extremely prompt on returning emails on questions ranging from complex to remedial. They made the most complicated part of a mortgage the easiest for me."

Jonathan P.
Is A Second Stimulus Check Coming Your Way?
Is A Second Stimulus Check Coming Your Way?
Nov 19 2020   first time buyer first home first mortgage home loan apply for a first home loan
Many Americans have been eagerly awaiting news about a second economic relief package, including a second round of stimulus checks. President Donald Trump and both parties in Congress have voiced their support for another round of financial aid. As... Read More
How Can I Qualify For A Veteran Home Loan
"How Can I Qualify For A Veteran Home Loan"
Nov 11 2020   va loan home loan for veterans government loans for home improvement refinance cash out refi
VA home loans have impressive rates and terms, making them some of the most desirable mortgage loans to apply for. Curious as to what it takes to get a veteran home loan? Here's everything you need to know to get started. How To Know if You Qualify... Read More
How To Make An Offer On a Pending Home Sale
How To Make An Offer On a Pending Home Sale
Nov 4 2020   first time buyer first home first mortgage home loan apply for a first home loan
Finding an ideal home only to see "pending" on the listing can be disheartening, but it shouldn't be. Most real estate websites will post "pending" as soon as a seller accepts an offer, but that does not mean the deal has gone through. Read on to... Read More
Home Affordability  FAQ--Answered!
Home Affordability FAQ--Answered!
Oct 28 2020   first time buyer first home first mortgage home loan apply for a first home loan
Uncertainty can make buying a home more arduous than it should be. Let's take a look at some of the most frequently asked questions about mortgage affordability. How Do I Determine My Housing Budget? Many get stuck at this point because they want to... Read More

Get Started

Pre-qualify for a loan in a few simple steps

Apply Now

Fill out your Secure Application

View Testimonials

See what our clients are saying: