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Our team takes pride in being recognized as a premier, residential mortgage lender offering a wide array of mortgage loan products. Mortgage loan options include fixed and adjustable rate FHA and VA mortgages, fixed rate USDA Rural Development Loans (Russell Smith was one of the top producing USDA mortgage loan officers in the country as ranked by the Scotsman Guide for 2012 & 2011), fixed and adjustable rate conventional loans, fixed and adjustable rate jumbo and super jumbo mortgages, purchase Fannie Mae foreclosures with HomePath loans, HARP refinance programs, FHA 203(k) rehab or renovation loans to purchase a home needing improvements and many others. Even in today’s market we have programs available so that a borrower, whether a first time home buyer or not, can purchase a home. Go to our Products page for more details on our wide array of products.

Our team is located in Southeastern North Carolina and our team closes mortgages in and around Wilmington, Leland, Carolina Beach, Kure Beach, Wrightsville Beach, Jacksonville, Lumberton, Whiteville, Lake Waccamaw, Hampstead, Elizabethtown, and Brunswick, Onslow, Pender, and New Hanover County beaches. We are just across the NC / SC line and lend often in Horry County cities such as North Myrtle Beach, Myrtle Beach, Little River, Conway, and Longs, SC.  Even though a majority of our mortgages are closed in our local area, we can close loans in NC & SC and have the ability to close in most states through our corporate office.


Whether you are a first time home buyer, move up buyer, purchasing a 2nd home or investment property, you need an expert mortgage lender. Our team delivers the knowledge, expertise, and personalized service to ensure your loan process is worry-free.

Contact us today to take the next exciting step toward your new mortgage whether it be a refinance or buying a new home. See how a mortgage loan should be done.

The views expressed on this site 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.




Russell Smith

Senior Loan Officer

NMLS #: 78989

Whiteville Office

128 Jefferson Street

Phone: 910-914-0655

Fax: 910-914-0255