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 helped us with our initial home financing and it was as smooth as could be. Because of that, we reached out to him to help with some refinancing we wanted to do. Ron makes it so easy to both understand as well as get everything finished...
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Reply from Ron Ruzicka
February 16th, 2026 04:42 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. Providing exceptional experiences for our customers is what we strive for, and your feedback motivates us to keep pushing forward.
Ron is wonderful to work with! Great communication and really supported us through the process!
Reply from Ron Ruzicka
February 9th, 2026 05:15 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
Communication was clear and concise. Questions were answered promptly. Everyone was very friendly and pleasant tomwork with. The experience was made easy .
Reply from Ron Ruzicka
February 6th, 2026 04:43 PM
Thank you for your kind words! I’m thrilled to hear that you had a positive experience with us. We appreciate your support and look forward to serving you again soon.
ommunication and great job explaining everything
Reply from Ron Ruzicka
February 5th, 2026 06:01 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Personal touch, answered a lot of questions, and did his best to make things easy for us.
Reply from Ron Ruzicka
January 20th, 2026 06:34 PM
I enjoyed working with you on your home refinance. Thanks for the great feedback.
Ron helped us every step of the way and answered calls and texts without fail no matter what time or day!
Reply from Ron Ruzicka
January 19th, 2026 07:11 PM
I’m delighted to receive your positive feedback! We strive to provide exceptional service, and your review encourages us to keep up the good work. Thank you!
Ron and his team were easy to work with and available any hour of any day for questions as they came up. On multiple occasions I was able to speak to him on weekends. Also he proactively called to make sure everything was good and to see if...
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Reply from Ron Ruzicka
January 12th, 2026 04:06 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
Very responsive and patient
Reply from Ron Ruzicka
December 22nd, 2025 09:56 PM
It was great working with you to refinance your home loan. Thanks again for putting your trust in us.
Ron and his team were wonderful! I was in the loop at every point. Things moved along quickly and I got a great rate.
Thanks Ron!
Reply from Ron Ruzicka
December 22nd, 2025 03:34 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
Ron was great at communicating during every step of the home buying process. I'm a first time home buyer and Ron was honest and helpful. He was quick at responding and explaining what needed to be done to move forward, which was necessary during...
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Reply from Ron Ruzicka
December 19th, 2025 02:06 PM
Thank you for your kind words! I’m thrilled to hear that you had a positive experience with us. We appreciate your support and look forward to serving you again soon.
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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