Russ Fitzpatrick
Mortgage Loan Originator • NMLS #2712875
Built on Experience. Focused on Your Future.
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📞 Russ’s direct number: (828) 482-7659
M
y Mom brought me to Franklin, NC in 1974; she insisted that my father buy a tiny stick-built cabin on Matlock Creek Road in Snow Hill Falls, way out in Cowee Valley. I was only six years old, but I noticed that Mom and Dad were happier in the mountains than they were back home in Florida. We didn’t have a television, or video games, so we played in the creek, fished in the pond and played board games. As I grew older, I came to the mountains to hike and fish and take the most beautiful scenic drives I had ever seen. When I was old enough to buy my own house in North Carolina I bought a tiny stick-built cabin off Dowdle Mountain Road, that was 30 years ago. I have been a Real Estate Agent and Broker for 40 years and I have been in the mortgage business for more than 20 years. If you love the mountains like I do and want to buy your first or forever home, I can help you with virtually every Mortgage product available in the industry.
“The mountains are calling and I must go”
~ John Muir
– Russ Fitzpatrick
Let’s Talk Loans (in Plain English)
Everybody loves house shopping, it’s so fun to flip through houses on Realtor.com or your favorite agent’s site. Day dreaming about homeownership, your first home or your next big move is exciting. Nobody really wants to get pre-qualified for a mortgage — it just doesn’t have the same fantasy factor. When we say that we help make dreams into reality, that’s exactly what we do. Our hope is that we can define what is possible today and what could happen for you tomorrow. Please reach out anytime to talk through your ideas and find the right financial product to make your dreams come true.
The Possibilities are Endless
Discover Your Mortgage Options
🏡 Conventional Loan
A conventional loan is the go-to option for well-qualified buyers. With flexible terms and competitive rates, it’s ideal for borrowers with solid credit and stable income who want to avoid mortgage insurance after reaching 20% equity.
🔑 FHA Loan
The FHA loan is designed to make homeownership accessible. With lower down payment requirements (as little as 3.5%) and flexible credit score options, it’s a great choice for first-time buyers or those rebuilding their credit history.
🌾 USDA Loan
USDA loans are designed to help borrowers purchase homes in eligible rural and suburban areas with zero down payment. They offer affordable fixed rates and reduced mortgage insurance, making homeownership more attainable for families and individuals in small towns and rural communities.
🎖️ VA Loan
Exclusively for U.S. military service members, veterans, and eligible spouses, VA loans often require no down payment, no private mortgage insurance, and offer more lenient credit terms — a well-deserved benefit for those who’ve served.
🛠️ Renovation Loan
A renovation loan lets you finance the cost of buying a home and improving it — all in one mortgage. Perfect for fixer-uppers or homeowners looking to upgrade without using separate financing for remodeling.
🏗️ Land & Build Loan
Combining land purchase and construction financing into one simple solution, this loan helps you build your dream home with ease. Russ will walk you through timelines, draw schedules, and lender expectations so your build stays on track.
💎 Jumbo Loan
For high-value properties that exceed standard loan limits, jumbo loans provide customized solutions for large purchases. Russ helps clients structure these with confidence, ensuring competitive rates and smooth approvals.
🌟 First-Time Home Buyer
Buying your first home? Russ can match you with programs that reduce out-of-pocket costs and make qualifying easier. Education and guidance are part of the package — no surprises, just support.
🔁 Refinance
Already a homeowner? Refinancing can lower your rate, shorten your term, or unlock equity for home improvements. Russ will review your current loan to determine if a refi makes sense in today’s market.
All loans subject to credit and underwriting approval. Rates, terms, and conditions may vary based on borrower qualifications and market factors.
Why Work with Russ Fitzpatrick
Choosing the right loan officer means choosing someone who listens. Russ brings honesty, clear communication, and access to powerful mortgage solutions through CMS Mortgage Solutions Inc. — with every client treated like family. Whether it’s your first home, your forever home, or your next investment, Russ helps make it happen.
📣 Transparent Guidance
Russ explains every step in plain language so you always know where you stand — no surprises.
⚙️ Smarter Solutions
Access to a wide network of lenders means you get competitive rates and creative programs to fit your goals.
💬 Personalized Support
Russ takes the time to understand your situation — so your financing feels tailored, not templated.
Proud Partner of Hero Benefits Network
Russ Fitzpatrick proudly partners with Hero Benefits Network (HBN), a nonprofit organization dedicated to giving back to the everyday heroes who keep our communities strong. From teachers and nurses to firefighters, police officers, and support staff — if you work in these vital fields, you qualify.
Learn More9 Hero Categories
- • Military (Active & Retired)
- • Firefighters
- • Law Enforcement
- • EMS & Medical Professionals
- • Teachers & Educators
- • Nonprofit Workers
- • Government Employees
- • Union Workers
- • Community Support Staff
Even if you’re not on the front line — billing, dispatch, HR, facilities, administration — if you work within one of these industries, you’re a hero in our book.
Ready to Start Your Home Journey?
Whether you’re buying your first home, building new, or exploring your refinance options, Russ Fitzpatrick is here to guide you through every step. With access to competitive wholesale rates through CMS Mortgage Solutions, you’ll get personal attention and real-world experience that makes the difference.
All loans are subject to credit approval and underwriting. Rates, terms, and programs may change without notice. Russ Fitzpatrick — NMLS #2712875 | CMS Mortgage Solutions Inc. — NMLS #212405.
Russ Fitzpatrick
Mortgage Loan Originator • NMLS #2712875
Licensed in Georgia and North Carolina
CMS Mortgage Solutions, Inc. • NMLS #212405
cmsmortgagesolutions.com
NMLS #212405 | Licensed to Do Business in the State of AL, AZ, CA, CO, DE, DC, FL, GA, ID, IN, LA, ME, MD, MI, MS, NM, NH, NC, OK, SC, PA, TN, TX, VA, and WV
A MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER
www.nmlsconsumeraccess.org
Equal Housing Opportunity
This page is maintained by Russ Fitzpatrick for educational and informational purposes.
It is not an official CMS Mortgage Solutions corporate page and does not constitute a loan
commitment or approval. All loans are subject to credit and underwriting approval.
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