headshot of russell smith
Russell Smith
Branch Partner
NMLS ID# 78989
Russell Smith
Branch Partner
NMLS ID# 78989

Licensed in:

NC, SC, VA

Visit:

301 Liberty St Suite 100, Whiteville, NC 28472

Mobile:

Office:

Get To Know Russell Smith

I am originally from...

Danville, VA and North Carolinian since 1 years old

This is what excites me about assisting people with their home loans...

Believe it or not, in my 32 years in mortgage lending, I have never been more excited and had more fun in strategizing with clients and partners to come up with the best real estate financing solutions to help clients achieve their dreams, working with amazing business partners to help them reach their business goals, and being a positive influence to others.

My favorite local activities are...

Hanging out with my wife Caroline and our family anywhere, snow & water skiing, golf, hiking, traveling, beach or pool time

Some of my go-to movies are...

Rocky, Star Wars, Naked Gun, Airplane, Sports & those cartoon movies that have adult humor in them

My favorite local hangouts are...

Bald Head Island, any beach, Johnny Lukes Kitchen Bar in Wilmington, Mr. P's in Southport, NC, Oyster Rock in Calabash, NC, Bistro 90

Here are some local organizations I support...

Church, Very Merry Christmas Tour – Whiteville NC, Children’s Home Society of NC

My dream vacation is...

Europe, Any cruises, Utah mountains, NC/TN mountains, Bald Head Island
Dream Team at ALCOVA Mortgage logo
Down payment money is available - see if you are eligible

About Russell Smith

I’m Russell Smith—a mortgage strategist guided by faith, grounded in family, and passionate about serving people well. I’m blessed to share life with my wife, Caroline, our growing family, and I’m incredibly proud of all of our children: Anna, Andrew, Brynnan, Drayton, and Harper—and our grandchildren, Oakland and Ollie Joseph. I’m also honored to work alongside children Anna and Andrew every day.

With 32 years of mortgage lending experience, I’m more excited than ever about helping people navigate homeownership. What we deliver is called “The Experience.” Our Dream Team is built on relationships, communication, and execution, because choosing a mortgage lender is about far more than numbers—it’s about trust and strategy.

From the mountains to the coast, I’d love to be your resource and advocate. Reach out anytime—let’s start the conversation.

“Let your light so shine…” — Matthew 5:14–16

Learn Before You Borrow

A smarter mortgage strategy build around you!

Maximize your VA benefit with confidence and strategy!

Build confidence before your first offer. Avoid costly surprises!

Strategize to support long-term wealth!

We gotta laugh!

Trusted By Homeowners

Logan Knutson - 5.0
January 30, 2026
Tabor City, NC

Great experience!

Riley O'neal - 5.0
January 30, 2026
Tabor City, NC

Very thorough and pleasant to work with. Would recommend anyone but especially first time home buyers!

Justin - 5.0
January 27, 2026
Whiteville, NC

Working with Russell and his team was a fantastic experience as a first time home buyer! They were amazing in every aspect. He communicated with us regularly to make it where there were no grey areas, he made time for us when it felt like our schedules were too hectic to handle this process and he was very genuine throughout the entire process. I would highly recommend him to anyone looking to buy. Absolutely fantastic experience that we were worried would be very difficult and he made every decision super simple by going into great detail. Even using the app to turn everything in that was needed made the experience one to remember in a good way and we definitely will be using him again next time we buy!

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ALCOVA Mortgage LLC | NMLS ID#40508 | 
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Licensed in AL, AR, CO, DC, FL, GA, IL, IN, KY, LA, MD, MI, MO, NC, NJ, OH, OK, PA, SC, TN, TX, UT, VA, WA, WV | 308 Market Street SE, Roanoke, VA 24011 | 855.462.5268 | Georgia Residential Mortgage Licensee# 42101 | Licensed by the N.J. Department of Banking and Insurance

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