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Guild Mortgage - Francis Ruzicka
Senior Loan Officer | NMLS# 232598
Guild Mortgage Company provides a full menu of mortgage products to meet each customer’s specific needs. Whether you are looking for a no cost refinance, purchase of your first home, considering a vacation or investment property, or even co... Show More
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Business Hours
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8:30 AM to 5:30 PM
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closed
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Reviews from Web
Frank was always patient and would answer my litany of questions.
Reply from Guild Mortgage - Francis Ruzicka
August 22nd, 2026 02:35 PM
Garrett, always a pleasure to work with you. The fact that you ask questions demonstrate that you are a responsible borrower who truly wants to understand the biggest transaction of your life. I applaud you for asking questions along the way...
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Very seamless process and great service
Reply from Guild Mortgage - Francis Ruzicka
August 12th, 2026 10:51 AM
John, thank you for your trust in the purchase of your new home. We wish you the very best in this new chapter in life, know that we are here to help!
Frank was knowledgeable, responsive, and always available to answer our questions. Thank you for making everything go so smoothly!
Reply from Guild Mortgage - Francis Ruzicka
July 24th, 2026 10:45 AM
Dina, always great to work with you guys, so happy for you and your family on this new chapter in life. Know that I will stay in touch for future opportunities as the market improves. Congrats!
Frank is always the best! Gets the job done with a smile!
Reply from Guild Mortgage - Francis Ruzicka
July 10th, 2026 12:23 PM
Megan, as always, I appreciate your continued support. Looking forward to our next opportunity to work together!
Meeting the deadlines without any hiccups plus a smooth closing made it enjo for all parties!
Reply from Guild Mortgage - Francis Ruzicka
July 10th, 2026 12:26 PM
Laura, great to work with you on this purchase. Meeting all contract deadlines is our number 1 goal. We consider closing a celebration! Let me know if I can ever be of service to you or your clients.
Went well.
Reply from Guild Mortgage - Francis Ruzicka
June 22nd, 2026 03:44 PM
Terry, you are a man of few words, but I appreciate your support. Thanks!
Frank and his team were very helpful. Situation was a bit Atypical, but they all were able to make it happen. I plan to do business with them again!
Reply from Guild Mortgage - Francis Ruzicka
June 22nd, 2026 03:46 PM
Kya, it was a pleasure assisting you with your first investment property, looking forward to working with you again. Thank you for your support!
We applied for VA loan and it was processed as conventional
otherwise everything went well
Reply from Guild Mortgage - Francis Ruzicka
June 20th, 2026 12:01 PM
Teresa so happy we were able to get you and your family in the home of their dreams. Closing on time as the contract required was paramount given market conditions and competition. Please stay in touch, I am here you for not just to the closing...
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Guild Mortgage - Francis Ruzicka has received a review with 5 star rating from Iesha K
I loved that they were able to get me so much down payment assistance. The help made my dream of owning a home a reality. The team really made the transition easy. Mary and or Simone were in communication with me weekly. At no point did I feel...
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Reply from Francis Ruzicka
June 16th, 2026 12:46 PM
Iesha, I'm pleased to hear that the down payment assistance helped make your dream of owning a home a reality. It's great to know that Mary and Simone kept you well-informed throughout the process. If there's anything else I can do for you,...
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About
Guild Mortgage Company provides a full menu of mortgage products to meet each customer’s specific needs. Whether you are looking for a no cost refinance, purchase of your first home, considering a vacation or investment property, or even construction lending, Frank can provide the specialized financing. In most cases your home and the mortgage associated with it is the single largest investment you have. Don’t trust that investment with just anyone: make sure you have a seasoned professional review all your financing options.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Mortgage Lender
Specialities
Soft Pull 3 File Merged Credit Reports, Fully Underwritten Credit Approval Protection, Homebuyer Express
Bridge
Conventional
Down Payment Assistance
Energy-efficient
FHA
Jumbo
Lock and Shop
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Memberships
- Member Affton-Lemay Chamber of Commerce
- Affton - Lemay Chamber of Commerce
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Time Zone
Central Standard Time (CST)
Awards
Circle of Honor
Disclaimer
I am authorized to do business in the states of Arkansas, Illinois, Indiana, Kansas, Missouri, Ohio, Oklahoma and Tennessee. (www.nmlsconsumeraccess.org/); NMLS ID: 232598; Guild Mortgage Company; Equal Housing Opportunity; Company NMLS ID 3274. www.nmlsconsumeraccess.org/.