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Francis Ruzicka

Senior Loan Officer

NMLS# 232598

About me

Frank Ruzicka, a 35+ year veteran of the mortgage lending community is licensed in the states of MO, IL, KS, TN, OH & IN. Guild Mortgage Company provides a full menu of mortgage products to meet each customer’s specific needs. Whether you are looking for a no cost refinance, purchase of your first home, considering a vacation or investment property, or even construction lending, Frank can provide the specialized financing. In most cases your home and the mortgage associated with it is the single largest investment you have. Don’t trust that investment with just anyone: make sure you have a seasoned professional review all your financing options.

Let's find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.97 out of 5.0 stars
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4.9
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5.0
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5.0
Dustin
Dec 1, 2025
Edwardsville, IL
Experience logo
Thank you very much Frank! Glad Dave sent me your way!
Dustin P.
Nov 21, 2025
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Great mortgage company! Helpful and resourceful! Thank you for a good experience buying our first home!
Catherine
Nov 18, 2025
Ironton, MO
Experience logo
Thank you for your help.
Edward
Nov 13, 2025
Saint Louis, MO
Experience logo
Frank and his team made the whole process easy and stress-free.
Mark
Oct 28, 2025
Saint Louis, MO
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Excellent professional service
Ighor
Oct 5, 2025
Saint Louis, MO
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Frank has always been great explaining things that we aren't sure about, and answering all our questions regarding the l...See more

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Awards

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Causes & Memberships

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NMLS ID #232598

I am authorized to do business in the states of Illinois, Indiana, Kansas, Missouri, Ohio and Tennessee. (www.nmlsconsumeraccess.org/);

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