
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 provided good communication, and I would refer him to friends/family unless the loan servicer screws something up. Your bank should stop using your loan servicer though, they get terrible reviews all over the internet. It’s one piece that...
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Ron is THE best in this industry. I've had nearly 40 years experience in residential real estate, and worked with dozens of loan officers, in up/down markets, with all types of clients and scenarios. Ron is without question, the best communicator...
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Ron was amazing and available any time.
Highly professional personal service
Ron is very pleasant to work with. Very professional, timely, and available to answer all of our questions
Ron worked around my schedule and made everything very easy
Ron is proactive with outreach and was very responsive and helpful!
Ron is very responsive resolving things that came up as they always do. His personal presence at closing was a strong positive as well.
Working with Ron is very easy!
Ron made the loan process go very smoothly, and with an excellent interest rate.
It was a pleasure to work with Ron.
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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