Russell Smith

Blue Ridge Bank, NA


43 Reviews


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

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43 Reviews






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 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.

Wilmington A


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.



My husband and I were recommended to Russell, 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 mortage



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 and his team at Blue Ridge Bank!

Alberta, P


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. 

Tammy B


I have known and worked with Russell Smith for many years. This time I used a recommended representative within the firm, Bill Fisher. Bill was very available, knowledgeable and easy to communicate with. His initial estimate of costs was spot on and no surprises showed up at closing. The entire process with OVM was smooth and beneficial. I highly recommend OVM and Bill Fisher to anyone looking for a trustworthy mortgage brokerage.

Michelle J



This was my first home buying experience. By far I believe Alex was the most patient, honest, knowledgeable, person I could have had to work with. His assistant, Jill was very helpful and kind as well. I could not have asked for better people to work with. I would ABSOLUTLEY recommend OVM and especially Alex Theis to anyone looking to get a home loan. Thanks again.



I can honestly say that Patricia Watts has made my first home buying experience a very pleasant one! From our first conversation she had thoroughly explained each and every option that was available to me and I never felt pressured into any decision. I had put my trust in Pat and Pat most definitely came through for me. My phone calls, emails and text messages were always handled in a professional, patient and timely manner. Pat was always honest, informative and allowed me to ask the most minute questions and answered them where I could understand. I trusted what she would tell me and I felt excited about my home purchasing goal. I really couldn't imagine my home buying process being any easier and even now that the deal is done I would still feel 100% comfortable calling Pat with any questions. She extended her expertise beyond the scope of the business deal and I without a doubt will recommend Pat and OVM Financial! Saying thank you just doesn’t seem enough for the joy and satisfaction that I feel!

Luz z


As a real estate agent, I have worked with numerous lenders over the years. Patricia Watts was by far the most hands on, efficient, and knowledgeable lender I have worked with. The way she went above and beyond her duties to ensure this loan was successful is truly remarkable. I felt as though she was as invested as if it were her own home she was buying. She is the type of lender that you want on your team!

Kim M


Realtor, Coldwell Banker Sea Coast Advantage

My Husband and I are currently in the process of house hunting for the first time and Patricia Watts has been able to answer any questions we have had due to her knowledge and experience. It's quickly clear that she has a wealth of knowledge in the real estate and mortgage world. It has been reassuring during this process to have someone who is easily accessible and eager to help, not to mention she always responds in a timely manner. We would highly recommend her to anyone who needs a real estate and mortgage professional.

Allison B