Ben Russ
Branch Manager

Originally from Southwestern Michigan, I moved to the South to attend college at Clemson University. There, I completed a bachelors of science in Business Management and a minor in Music in 2002. After graduation, I made my way to the coast of South Carolina and settled on Hilton Head Island, having extended family here as well as it being a vacation spot for our family since the 1980s. I got into the mortgage business in 2003 and never looked back. Shortly after, I met my wife Suzanne, the love of my life. We have three wonderful children and are fortunate enough to have both our parents here with us locally as well as our siblings, cousins, aunts and uncles.
In my nearly 20 yrs of Hilton Head Mortgage experience, I worked for regional and national lenders. I owned my own brokerage for many years and then went into private banking. I have created solutions for everyone from first time homebuyers, to very complex clients with high net worth. Relationships are at the heart of my business strategy. I am not transactional, that does not interest me. I want to connect with people and build relationships that are long lasting. Every client is unique, every deal presents it's own set of challenges, and I pride myself in creating the best solution for each individual to not only get them what they need when they need it, but for them to have a fantastic customer experience throughout the process.
When I am not working, I enjoy spending time with family and friends. We spend many weekends at competitive gymnastic meets and little league tournaments all around the Southeast. You may see me out playing guitar around the Island or at a local car show with my kids. The active outdoor lifestyle that this area provides is second to none. Hilton Head is truly a one of a kind, special place to call home.

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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.