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 has been a great help with my loan! He's always on top of things and answers all my questions!
Frank is always looking out for me and making sure I am getting the best rate and saving programs. It's a comfort to know I have someone in my corner trying to help me.
From the first call Frank shared his expertise and outlined what the process would be for us to secure a loan. Frank, his assistant Mary, as well as everyone in the company, are knowedgable and were happy to answer all our questions. The customer service is exceptional. The communication is exceptional. Their knowledge of all aspects of mortgages is exceptional. They have what is in the best interest of their customers in mind at all times. We will be recommending them.
Frank, it was a pleasure working with you on this one. Thank you and looking forward to our next deal together! John Jackson
Frank is always fantastic! He proactively looks out for the needs of his clients, finding them programs and deals that they otherwise would never have known about. The level of personalized attention that you get is phenomenal! He always takes time to answer every question.
Team Ruzicka at Guild Mortgage is the best! Fantastic communication and response time! My first-time homebuyers feel comfortable, well informed and know they are in great hands! I have my personal mortgage loan with Frank as do my children! He's the best!
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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