
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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Could not have been more wonderful!!!!
All of our expectations were met!!!
The care and concern and patience Ron had with us thru the whole process. Not being tech savvy he led us all the way from the beginning to the end. Being able to touch base with him at any time in the future is a big plus for us. Ron is a great...
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Great Job Ron, thank you!
Ron was very helpful and made the process so easy. Highly recommend Ron!
Was very flexible and made sure any and all questions/concerns were addressed!
Ron was very communicative and handled everything promptly. He was available whenever I needed him.
Ron is the best.
Ron was very responsive and knowledgeable. He made the whole process so easy for mr!!
Received my mortgage through Ron and FSB, after being denied from BOA due to being in the process of moving and job transfer. Ron easily understood the situation, and took care of my mortgage needs, with a lower interest rate than BOA's. He...
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Ron was always very professional and easy to work with! He explained the ongoing loan process thoroughly for those first time buyers and returning buyers. He patiently answered any and all questions, EVEN on weekends! I would definitely recommend...
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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