Francis Ruzicka
Senior Loan Officer
NMLS ID #232598
Chesterfield, MO
We have loans to fit your life.
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About me
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Testimonials
July 23, 2026 |
Kirkwood, MO
July 9, 2026 |
Saint Louis, MO
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Office Hours
Monday - Friday
Saturday
Sunday
8:30AM - 5:30PM
AVAIL BY APPT
CLOSED
Monday - Friday
8:30AM - 5:30PM
Saturday
AVAIL BY APPT
Sunday
CLOSED
NMLS ID #232598
I am authorized to do business in the states of Arkansas, Illinois, Indiana, Kansas, Missouri, Ohio, Oklahoma and Tennessee. (www.nmlsconsumeraccess.org/);
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See what we offer
Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.
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Helpful resources
What are draw and repayment periods for HELOCs* and HELOANs?
Nearly 30% of homeowners are considering tapping into their home equity, a notable increase compared to a few years ago.
Read more
When should I use my home equity?
Your home has probably done a lot for you over the years. It’s where you’ve made memories, celebrated milestones, and planted roots.
Read more
Is a 2-1 buydown worth it? Pros and cons explained
A 2-1 buydown, also known as a 2-year temporary buydown, provides breathing room for aspiring homeowners to get started on building equity.
Read more
home equity insights
Get smart about your home's value
For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.
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