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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
Location & Business Hours
Business Hours
Wed
8:30 AM to 5:30 PM
Thu
8:30 AM to 5:30 PM
Fri
8:30 AM to 5:30 PM
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Reviews from Web
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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A 10 isn't a high enough score for the experience we had in purchasing our first home. Frank, and the people he recommended, made our home purchase nearly effortless on our end. There is no one else I will ever recommend or use in the future...
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Reply from Francis Ruzicka
June 1st, 2026 02:12 PM
David, I'm very grateful for your kind words and for trusting me with your first home purchase. It's appreciated to hear that the process felt nearly effortless for you. If you ever need anything in the future, I'm here to help.
Frank and his team made everything easy and possible. We would have been lost without their expertise! Thank you so much and we know we have a trusted lender for life!
Frank and his team were friendly, knowledgeable, and efficient. It was 35 days from the first contact until we closed. He knew we were trying to get into a house before I gave birth and he did just that by being so on top of everything. We...
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Reply from Francis Ruzicka
May 29th, 2026 05:18 PM
Miranda, I appreciate your kind words and am pleased to hear that my team and I could support you in such an important time. It's appreciated to know that we helped you close on your home before your baby's arrival. If you ever need assistance...
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He was great to work with
Reply from Francis Ruzicka
May 14th, 2026 04:53 PM
Nancy, I'm glad to hear you had a great experience working with me. It's important to me that my clients feel supported throughout the process. If you need anything in the future, please feel free to reach out.
We love working with Frank. He went out of his way to help us. He got us through some snags that came up during the process and had sound advice. I wouldn't consider using anyone but Frank for future financial needs.
Reply from Francis Ruzicka
May 11th, 2026 08:47 PM
Richard, I'm pleased to hear that you had a great experience working with me. It's nice to know my efforts and advice were helpful in navigating the process. I look forward to assisting you with any future financial needs.
Frank is the best loan officer EVER. He treats every client like they're his long-time friend. Plus, Frank's knowledge of the home loan process and all its components can't be matched. We chose Guild Mortgage solely because of Frank. Period....
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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/.