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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.
4.96 out of 5.0 stars
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4.9
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5.0
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5.0
Spencer
Jan 21, 2026
High Ridge, MO
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Frank has worked a lot of deals with my agent who is also my cousinsm. She enjoys working with him. Frank...See more
Joel
Jan 21, 2026
Saint Clair, MO
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Frank and his team was so great to work with!
Joan
Jan 15, 2026
Saint Louis, MO
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I was actually the listing agent on the deal and the money was there and the transaction was smooth.
Mary
Jan 9, 2026
Saint Louis, MO
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The process was understandable, and we were updated with each step of the loan closing experience. Frank has been really...See more
Paul
Jan 6, 2026
Saint Louis, MO
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Personalized service and welcoming to the kids
Sarah
Jan 5, 2026
Saint Louis, MO
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We had no idea what we were doing and Frank and his team explained everything and me us feel like we kne...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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