
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 easy process
Responsive, professional, competitive rates
Ron did a great job of walking with us through the whole process.
I would highly recomend him
succinct and to the point information , much appreciated.
Ron made our refinancing a seamless deal. Our previous mortgage company still hadn't completed our refi after 4 1/2 months so we went with Ron and our refi was done in under 6 weeks at an incredible rate. I would recommend him highly.
Ron guided us through every step of loan and purchase process for our first home. We are incredibly appreciative of his time and expertise. We had 24/7 access to Ron and his team for questions and requests. We had a great experience and will...
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We have worked with Ron on several home purchases and re-financed once or twice. In all cases, he has been easy to reach, professional, timely and pleasant. When we purchase our next home or perform our next refi, we will definitely use Ron...
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Ron is very efficient and communicates in a very timely manner. This is the fourth time I have worked with him and would do so again.
Ron is smart and a good communicator. He’s available at odd times and had some great ideas on how to help us position our offer to make it stand out. The process was smooth and seamless from initial credit approval to closing. We’ll recommend...
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Ron was very smart, gave us some great advice that helped us land a home. He was available to help, and super responsive. Really smooth process, and we had a fairly complicated situation. Fantastic job all around.
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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