We have loans to fit your life.

Let me find the perfect loan for you!

Francis Ruzicka

Senior Loan Officer

NMLS# 232598

17280 N Outer 40 Rd, Suite 101,
Chesterfield, MO 63005

(314) 503-3855

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Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

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.

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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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Edward

Nov 2, 2025

Frank and his team made the whole process easy and stress-free.

Mark

Oct 3, 2025

Excellent professional service

Ighor

Oct 1, 2025

Frank has always been great explaining things that we aren't sure about, and answering all our questions regarding the l...See more

Connor

Oct 1, 2025

Frank and Guild Mortgage were great and made the process easy! Frank was happy to help in every step ...See more

Daniel

Oct 5, 2025

Mary Wood is tremendous. Mary is kind and patient and knowledgeable Peggy Mason is tremendous

Maureen

Oct 4, 2025

Frank made wverything easy

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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/);