
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 Angla
Very nice helpful and direct always available for questions
Ron and his team are very helpful and caring.
Ron is just outstanding to work with. Always open to hopping on the phone - no matter the day or time - and so incredibly thoughtful in his approach. I can't say enough about how much we appreciate him!
Ron! We knew we could count on him every step of the way. He’s patient and kind and just a fantastic guy!
The prompt response and the knowledge
Ron. Its all about Ron. There's no one better in the business. Third loan I've done with him. Simply the best, nicest, communicative and honest.
More notice on when papers are needed
Ron went above and beyond - being a first time home buyer and doing it for sale by owner there was so much to learn. Ron was always there to assist us and help us learn every step of the way. I would recommend him to absolutely anyone buying...
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We are experienced real estate agents who have worked with many, many lenders through the years. We thoroughly enjoyed working with Ron and his team! They were knowledgeable, helpful, communicative, and most importantly, they did what they...
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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