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 let us know of any issues ahead of time and was easy to speak with
Reply from Ron Ruzicka
April 27th, 2025 04:12 PM
Thank you for the wonderful review! Making customers happy is our top priority, and I’m thrilled that we succeeded with you.
Both Ron and Stephanie were very easy to work with yet they moved quickly for a quick closing
Reply from Ron Ruzicka
April 24th, 2025 10:30 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's availability for communication was fantastic. Will only use Ron in the future.
Reply from Ron Ruzicka
April 18th, 2025 04:44 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Ron was available to answer any questions I had about my first home buying process!
Reply from Ron Ruzicka
March 24th, 2025 03:07 PM
Monica,
Thanks for the great review. Good luck with your new store front!!
Ron has the buyer's best interested in mind. He's personable and pleasant to work with.
Reply from Ron Ruzicka
February 19th, 2025 05:58 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.
Ron was always available and always answered my questions It didn't matter if it was after hours or on the weekend, he would still make himself available Exceptional service!
Reply from Ron Ruzicka
February 17th, 2025 02:19 AM
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 knowledgeable and helpful through every step of the process. He was always available to make the process as smooth and easy as possible. I would definitely recommend him to others.
Reply from Ron Ruzicka
January 30th, 2025 11:29 PM
I really appreciate the feedback and look forward to working with you again.
Ron Ruzicka, he stands out in his position. He's and excellent communicator and far exceeds his industry standards.
Reply from Ron Ruzicka
December 30th, 2024 03:52 PM
Jeff,
Enjoy working with you and Stephen again. Please contact me anytime. I would appreciate you refer me to anyone that needs a mortgage. I can do loans in all 50 states. Happy New Year!!
Great experience
Reply from Ron Ruzicka
December 22nd, 2024 03:22 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 made the entire home-buying process incredibly straightforward. Understanding that this was our first time purchasing a house, he guided us through every step with patience and clarity. He also recognized our busy schedules, and we truly...
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Reply from Ron Ruzicka
December 11th, 2024 04:06 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
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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