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Senior Loan Officer NMLS# 232598
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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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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Guild Mortgage and Frank Ruzicka made the whole process of getting a mortgage for my first investment property enjoyable. I wouldn't hesitate to utilize them again for the next mortgage. The electronic disclosures and docusign of documents allowed me to review them at my own pace at home before electronically signing them. Highly recommend.
I could not recommend Frank Ruzicka more! He made our home buying process easier than I ever could have imaged. Rates were changing daily during our home search and Frank was there to answer every call and kept us well informed. Not only is he an expert in what he does but he was a true pleasure to work with. We always felt important and in good hands with Frank.
I could not recommend Frank Ruzicka more! He made our home buying process easier than I ever could have imaged. Rates were changing daily during our home search and Frank was there to answer every call and kept us well informed. Not only is he an expert in what he does, but he was a true pleasure to work with. We always felt important and in good hands with Frank.
I was referred to Frank and Guild Mortgage by an investor friend of mine and contacted Frank when I was already in the process of working with another lender who unexpected increased the loan cost. Frank was able to provide much better option for me get everything processed on time for closing and also helped to deal with very unusual circumstances. It was truly best experience I ever had with a lender and highly recommend Frank and Guild Mortgage for any investor buying a small multi-family and using a conventional loan. 5 star service and best rates in town. Thank you Frank!
Frank just redefined my expectations of what a good Loan Officer is.Hands down this was the best experience with a Loan Officer I've had and I do look forward working on more deals with him as I'm sure he's going to do great work once again.He was always available to help me out with any questions I had about the process and explaining its details.He also proactively called me multiple times to let me know about what was going on and clarify my options.Go with Frank and I am sure you will not regret!
10/10 would recommend Frank and his team at Guild Mortgage! They were quick with my loan pre-approval and we're able to give me a break down in simple terms of loan type money down and my monthly payment! I loved that! Frank did a great job explaining everything to me and made it feel like buying a home is easy. I will definitely be using Guild Mortgage again if I decide to buy another home. Thank you for everything!