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 showed me grest great knowledge, compassion, patience, and professionalism....always available to answer any questions or concerns ..never made me feel as though I was a bother.....he's the best and I will definitely recommend him to family...
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Reply from Ron Ruzicka
September 17th, 2025 05:23 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 was so friendly and amazing to work with as a first time buyer. He was patient, communicative, and quick in response. I had full trust in Ron and his advice, insight, and guidance.
Reply from Ron Ruzicka
August 21st, 2025 04:26 AM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Ron was very easy to work with, very informative and communicative and never pushy or sales-y
Reply from Ron Ruzicka
August 6th, 2025 02:23 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Stephanie & Ron were both available at any time to answer any questions that I may have had during the process. They were very reassuring, detail oriented and kind!
Reply from Ron Ruzicka
July 7th, 2025 01:42 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 wonderful to work with
Reply from Ron Ruzicka
July 6th, 2025 02:20 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 very personable, and communicated Extremely well.
Reply from Ron Ruzicka
July 2nd, 2025 02:04 PM
Thanks for the great feedback. I hope you enjoy your new home!
Ron made the entire process easy to understand for a first-time home buyer. His years of experience are evident in the way he cunducts business with total efficiency. He was always quick to communicate and answer any questions we had. I would...
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Reply from Ron Ruzicka
June 18th, 2025 05:06 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 made everything easy.
Reply from Ron Ruzicka
June 12th, 2025 06:26 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
ron was great to work with and made the process very easy for us!
Reply from Ron Ruzicka
May 30th, 2025 08:34 PM
Kathryn,
Thanks for the nice review. Please contact me anytime!
Ron always made himself available. He is knowledgeable regarding the process and stayed in constant communication making the process much easier
Reply from Ron Ruzicka
May 25th, 2025 08:43 PM
I really appreciate the feedback and look forward to working with you again.
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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