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About me

I grew up in Central Illinois, and have spent the last 25 years in the mortgage and finance industry. I rose through the ranks in the big bank environment, until 2000 when I transferred to the St. Charles, MO area. After a short time, I decided to lay down roots and raise my family here. I have 4 wonderful children and a beautiful wife who reminds me how blessed I am to have a career in the mortgage industry. I enjoy fishing, the great outdoors, and numerous types of sports. I take pride in coaching my children's sports teams, especially my favorites: baseball and basketball.

I have personally closed over $500 million in residential loans, and have learned strategies over the years to make the process flow efficiently. I thrive in a fast paced environment filled with daily changes and challenges. I always strive to separate myself from others and treat each transaction differently from the last, finding solutions that are unique to each borrower situation. I believe if you take the time to understand your client, you can then exceed their expectations. Serving both Illinois and Missouri families over the last two decades, I am dedicated to assisting you and your family through the mortgage process. I would love the opportunity to earn your business.

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.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.97 out of 5.0 stars
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5.0
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5.0
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5.0
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5.0
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4.9
Jamie
Dec 8, 2025
Foristell, MO
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TONY ROPPA IS EXTREMELY CORDIAL KNOWS HOW TO PERSONALLY HELP WITH FINANCIAL ISSUES INCLUDING THE WHAT WHYS & HOWS. HE I...See more
Audrey
Dec 6, 2025
Wentzville, MO
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Took a bit longer than expected
Amanda
Dec 2, 2025
Herculaneum, MO
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Tony was responsive, thorough and very quick to get my refi completed!
Clyde
Nov 21, 2025
Palm Bay, FL
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My loan officer was easy to connect with always available very knowledgeable very friendly and very fast with his servic...See more
Ethayaraja
Nov 19, 2025
Saint Peters, MO
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Tony explained me the fixed and ARM and suggested which one is better for me.
Mark
Nov 7, 2025
Highland, IL
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From start to finish Tony and the Guild team were there for us, keeping us informed along they way to simplify the proce...See more

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Awards

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Causes & Memberships

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NMLS ID #291142

I am authorized to do business in the states of Florida, Iowa, Illinois, Kansas and Missouri. (www.nmlsconsumeraccess.org/);

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