We have loans to fit your life.
Let me find the perfect loan for you!
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.
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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.
Conventional
A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance
If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
Reverse mortgage loan
If you’re retired or at least 62 years old and looking to purchase or refinance to make the most of your home investment, this may be a good option for you. A reverse mortgage allows you to use the equity in your home to supplement your retirement income.
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
home equity insights
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Testimonials
Frank is always fantastic! He proactively looks out for the needs of his clients, finding them programs and deals that they otherwise would never have known about. The level of personalized attention that you get is phenomenal! He always takes time to answer every question.
Team Ruzicka at Guild Mortgage is the best! Fantastic communication and response time! My first-time homebuyers feel comfortable, well informed and know they are in great hands! I have my personal mortgage loan with Frank as do my children! He's the best!
Thank you so much to Frank, Mary and Peggy for all you did to help us close on our house! Their communication was stellar and it was so clear that they cared for us and the future of our family. Call Frank today! He's awesome!!
Frank was awesome! Always patiently answering questions, for over a year, while we searched for a house. He was patient, supportive and made me feel like we had an ally in a stressful time.
Mr. Ruzicka is great to work with. He's knowledgeable , communicativs, supportive , and friendly! This is our second time working with him when buying a home and both experiences have been wonderful! Would highly recommend him.
Frank and his team made the entire process easy from start to finish. They were always willing to answer any questions we had, no matter the question and no matter the time of the day. I couldn't recommend Frank and his team enough.
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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