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 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.
Easy communication
Reply from Ron Ruzicka
December 11th, 2025 07:31 PM
Thanks for the great review. Happy Holidays!!
Ron Ruzicka is the most amazing person to work with. Professional, great communiacter, cares, follows up on every detail, very thorough and solution oriented.
Reply from Ron Ruzicka
November 12th, 2025 09:19 PM
Thank you for taking the time to share your experience. If I can be of further assistance to you, or your family and friends, please let me know.
Ron was super helpful explaining the whole process to my wife and I, and was always available for a call or text whenever we had questions. He was also just so nice and patient with us as this was our fist time buying a home. Thanks Ron!
Reply from Ron Ruzicka
October 23rd, 2025 02:03 PM
Thank you for your great review! I’m delighted to hear that you had such a positive experience with us. Your satisfaction is our ultimate reward, and we can't wait to provide you with exceptional service again in the future.
I've been a customer of Ron's for many years. He's as always been extremely knowledgeable and helpful. Once again, this transaction has been painless. Thank you Ron!
Reply from Ron Ruzicka
October 20th, 2025 07:08 PM
Thank you for the wonderful review! Making customers happy is our top priority, and I’m thrilled that we succeeded with you.
Ron answered all my questions, found me the best loan for my needs and continually tried to find me the best rate. Trusthworth, professional and I felt like a partner more than a customer. 10/10
Reply from Ron Ruzicka
October 8th, 2025 03:53 PM
Thanks for the kind words!! You make it easy for me!!
Ron made the loan process so easy! He helped us through every step, and was always available. Ron is very knowledgeable and professional. Our loan process could not have been easier!
Reply from Ron Ruzicka
September 28th, 2025 02:46 PM
Thanks for the kind words. Please contact me anytime if you have questions.
Ron is amazing. He is always available, calm, present and has all the information you need. He is quick and dedicated to getting the right loan for you every time.
Reply from Ron Ruzicka
September 29th, 2025 03:27 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
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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