Ron Ruzicka
Senior Loan Officer | NMLS # 417686
ST Louis Univerisity
We’re a full service mortgage lender with an experienced staff offering mortgage loans for everyone – whether you are buying your first home, refinancing to lower your payments, or building a home from the ground up. Since 1867, we have ser... Show More
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Ron and team were so were wonderful to work with! Ron took the time to walk us through the home buying process and let us know what to expect! We had no major cost surprises with him, which we were thankful for. He was always available to answer...
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Reply from Ron Ruzicka
March 20th, 2024 01:17 AM
Thank you for your kind words! I’m thrilled to hear that you had a positive experience with us. We appreciate your support and look forward to serving you again soon.
Ron was recommended to us from our realtor (Mary Raizman at Laura McCarthy Real Estate). She recommended Ron in general, but especially because we had a fairly short time between signing the contract and closing and Mary knew that Ron could...
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Reply from Ron Ruzicka
March 19th, 2024 03:16 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Ron was always available and ready to talk us through any questions we had. Very supportive and informative
Reply from Ron Ruzicka
March 16th, 2024 02:17 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Clear communication and patience. Ron also has a lot of experience so he has ideas about other products and avenues for funding
Reply from Ron Ruzicka
March 15th, 2024 03:21 AM
Thank you for your great review! I’m delighted to hear that you had such a positive experience with us. Your satisfaction is our ultimate reward, and we can't wait to provide you with exceptional service again in the future.
Ron responds swiftly, is very knowledgeable, friendly, and wonderful to work with. We trust Ron and felt we were in good hands throughout the process. We will recommend him to our friends.
Reply from Ron Ruzicka
March 13th, 2024 03:13 PM
I’m delighted to receive your positive feedback! We strive to provide exceptional service, and your review encourages us to keep up the good work. Thank you!
As a first time home buyer, Ron made us feel so comfortable during the whole process. No question was stupid and he always made himself available for advice or a quick chat.
Reply from Ron Ruzicka
February 20th, 2024 03:40 PM
Erin,
Thanks for the compliment!! It was pleasure working with you! Please call me if you have any questions.
I was referred to Ron by a family member, and I worked with him as a first time homebuyer. Ron and his team went out of their way to make sure I understood what was needed from me and by when, and they went over each part of the process with...
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Reply from Ron Ruzicka
January 31st, 2024 03:07 PM
I’m delighted to receive your positive feedback! We strive to provide exceptional service, and your review encourages us to keep up the good work. Thank you!
Great experience
Reply from Ron Ruzicka
December 28th, 2023 10:07 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. Providing exceptional experiences for our customers is what we strive for, and your feedback motivates us to keep pushing forward.
I really appreciated Ron explaining everything in detail to me and also answering any questions I had and also he was always available day or night if I had a question.
Reply from Ron Ruzicka
December 24th, 2023 04:41 PM
Thank you for taking the time to share your experience. If I can be of further assistance to you, or your family and friends, please let me know.
Ron is the best. His friendly approach, clear communication, and accessibility are above and beyond. We'd work with him any time!
Reply from Ron Ruzicka
January 4th, 2024 12:03 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
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About
We’re a full service mortgage lender with an experienced staff offering mortgage loans for everyone – whether you are buying your first home, refinancing to lower your payments, or building a home from the ground up. Since 1867, we have served the lending needs of our community with integrity and a dedication to excellence.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
USDA Loans
Qualified Mortgage Pre-Approvals
Specialities
Mortgage products
Conventional
Jumbo
FHA & VA
USDA Rural Housing
Construction & Renovation Loans
Second Home & Investment Properties
Refinance Solutions
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Education
- ST Louis UniverisityPsychologyBachelor of Arts in PsychologyAug 1969 -May 1982
Addresses and Serving Areas
Primary Serving Area
Year Started
1985
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 417686
Disclaimer
First State Bank Mortgage, A Division of First State Bank of St. Charles, MO. NMLS #416668. Equal Housing Lender. Headquarters: 2850 West Clay Street, St. Charles, MO 63301 Not a commitment to lend. For licensing information, go to: www.nmlsconsumeraccess.org