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Francis Ruzicka

Francis Ruzicka

Senior Loan Officer

17280 N Outer 40 Rd, Suite 101, Chesterfield, MO 63005
Own what matters
Own what matters

About Me

Frank Ruzicka, a Nationally and State Licensed Loan Officer, is a 30+ year veteran of the St. Louis mortgage lending community. After graduating from Marquette University in Milwaukee, Wisconsin with a degree in Economics, Frank returned to St. Louis to pursue a career in the lending industry. Beginning at a small credit union in south St. Louis county, Frank quickly realized his specialty was mortgage lending. He has held a number of sales and managerial positions with large national companies as well as smaller regional and local mortgage banking firms.

Frank joined Guild Mortgage Company due to the unique market niche it provides him and his clients. As a privately held, St. Louis owned and operated mortgage banking firm, Guild Mortgage Company has access to numerous national correspondent lenders as well as smaller local portfolio lenders. In addition, Guild Mortgage Company provides flexible pricing, in the effort 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 to fit your unique situation. 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 veteran review your mortgage finances at least annually. Frank is available to assist with all your mortgage lending needs. His consultations are provided at no cost or obligation, and can be scheduled at a mutually convenient time and location. If you have any mortgage related questions feel free to contact Frank by e-mail or the numbers provided above.

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5.0 out of 5.0 stars
Tamara R
Nov 01, 2023

The whole Guild Team was awesome. As a first time homebuyer, they provided so much support. I have been recommending Guild to everyone who asks for a good Mortgage company. Heck, I just recommended them today. They are absolutely hands down the best. I love my new home. My kids love our new home. And I don't think we could have done it without Frank, Mary, and Peggy.
Oct 02, 2023

I feel like you were very knowledgeable and helping my buyers with the equity gift.
Sep 25, 2023

Frank always makes the transaction smooth.
Sep 18, 2023

Frank is always great to work with. We have done a few transactions together and I am always excited when we do because I know that the client will have the best experience and he makes the process as an agent go smoothly as well.
Aug 21, 2023

Frank was great! He is so knowledgeable and was great to have during our house hunting journey!
Aug 21, 2023

I've been working with Frank and his team for a while and recommend Guild mortgage to all my clients. Great experience with each and every transaction!

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NMLS ID #232598
I am authorized to do business in the states of Illinois, Indiana, Kansas, Missouri, Ohio and Tennessee. (;