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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 Ruzicka is the best loan officer EVER. He treats everyone as if they're his long-time friend. Plus, his knowledge of the finance industry is far beyond many loan officers' comprehension. We chose Guild Mortgage SOLELY because of Frank....
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Reply from Francis Ruzicka
May 11th, 2026 02:50 PM
Judith, I truly appreciate your kind words and the trust you placed in me and Guild Mortgage. It’s great to know that my approach and industry knowledge made such a positive impact on your experience. If there's anything more I can do for you,...
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Guild Mortgage - Francis Ruzicka has received a review with 4 star rating from Antoinette R
This process of homeownership was very educational with Mr. Francis and his team. Even when there were challenges, Mr. Francis rectified any barriers.
Communication was very good and everyone we encountered at the office was very helpful with the process!
The communication with all staff members was very good. We made a couple of trips to the office and the receptionist was very helpful and kind. She was a standout to me. I am not sure of her name.Some of the uploading expectations were tricky...
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Reply from Francis Ruzicka
May 4th, 2026 12:55 PM
Margaret, I appreciate your feedback and am glad to hear that you found our staff communication to be good and the receptionist particularly helpful. I understand the challenges with document uploads, especially without easy access to a scanner....
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Frank, Peggy, and Mary were phenomenal to work with. We were first time home buyers and they made the loan process incredibly effortless. They worked with us around the clock to find the right type of loan to fit our life. Can’t recommend him...
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Guild Mortgage - Francis Ruzicka has received a review with 5 star rating from Andrew S
Frank's expertise, along with his team, made our home-buying process that much greater! Frank is awesome to work with and would go through the process again with Frank and his team!
Reply from Guild Mortgage - Francis Ruzicka
April 6th, 2026 01:56 PM
Andrew we couldn't be happier for you and your family having found your new home. Wishing you years of joy and memories!
Guild Mortgage - Francis Ruzicka has received a review with 5 star rating from Michael R
Frank was very helpful and knowledgeable with the whole process all the way to closing day
Reply from Guild Mortgage - Francis Ruzicka
March 28th, 2026 01:58 PM
Michael, thank you for the kind words. Just know that we are here for you beyond closing. Don't ever hesitate to call, we are here to help!
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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/.