
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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Very professional and took the time to explain all the proceedings.
Ron Ruzicka!
I never had an issue contacting him and he led me through the process, making it very easy.
Ron has been doing this for a long long time and so he knows all the answers. He made this process so smooth and easy for me and my husband. Super great guy and always there for us no matter what time.
Ron was there for us whenever we needed him, even going out of his way to help us with notary services. He is honest, kind, and has a great sense of humor, all qualities we greatly appreciate!Knowing that we can continue to count on him in...
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Ron was absolutely great. He gave us great advice and excellent service. He went far above and beyond what we had expected.
Easy to work with
There is no one I trust more with my loan/refinance than Ron. Not only is he extremely knowledgeable about the refinance process, but he made sure to take the time to talk through the whole process with us and answer any questions we had throughout...
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It was a joy to work with Ron on the refinance of my first home. He was very knowledgeable and pleasant to work with. I will recommend Ron Ruzicka to all of my family and friends in the future.
Ron is very customer centric and would make any issue vanish due to his deep knowledge of processes.
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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