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 available when I have questions and is a great load officer!
Frank and the rest of the Guild team made this process extremely easy for us. Being a first time home buyer, we greatly appreciated their expertise and professionalism. Their communication skills were fantastic. We would highly recommend them to both our friends and family. Could not have had such a successful and smooth experience without them!
Helpful, respectful, approachable, timely
Always have a great experience working with Guild
Frank took great care of our clients from start to finish!
A very well-oiled machine or better yet, a symphony. Several very talented and intelligent people working together to make my mortgage experience exceptional. Highly recommend Frank, Mary, and Peggy - the Ruzicka Team at Guild Mortgage.
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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