
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 went above and beyond!!! Very happy!!
Communication was great. Closed in 30 days. Ron was always available to answer any questions I had and walked me through the loan process. This my first house purchase and it went by smoothly.
Ron made it happen. Even when we let him know, “Oh! By the way, this house will be in the name of a trust.”
Working with Ron was great, he fixed problems and answered questions quickly and was always available through calls, texts and emails. Getting a loan for a house is always a challenge, but Ron made it doable.
Very helpful
Ron was very helpful, patient, knowledgable, and kind throughout the process.
Ron was available for all of my questions and kept me very informed throughout the whole process, from first applying for a loan to closing on my first house.
Extremely helpful, efficient and very informed on the refinance process even during the pandemic.
Great communication.
Ron was very clear with his communications. Everything was handled swiftly and professionally. Ron was also available after hours. Amazing loan officer.
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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