Sr. Mortgage Advisor

John Ruiz

Sr. Mortgage Advisor NMLS# 560079 Licensed in IL, IN and CA

Apply now
(708) 925-5148 (630) 686-1957 (Fax) john.ruiz@preferredrate.com

20635 Abbey Woods Court, Ste 301
Frankfort, IL 60423
Branch License Number #1974129

About John Ruiz

Your mortgage is personal, and I understand that.

Providing courteous, customer-driven mortgage services is not just a career, but a passion. Providing courteous, customer-driven mortgage services is not just a career, but a passion.

See my reviews
Placeholder

We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans

See what John's clients have to say

Cailin C

John helped us get a great mortgage loan with low interest, was easy to work with throughout the whole process, and was flexible with our needs!

Dec 25, 2021

Karen E

John & Dorothy were amazing! They made our process super smooth & easy! I would highly recommend them. Great doing business with them both. My husband and I cannot thank them enough.

Dec 08, 2021

Nidia E

Thanks to John & Dorothy I was able to buy my first home for my daughter & I. Not only was John patient in explaining the buying process with me but he was dedicated enough to ensure I would be able to purchase the house I fell in love with. I’m truly grateful for their efforts in helping me with my first house purchase! ... Read More

Dec 03, 2021

Gregory E

Outstanding! John advised us on what was needed to make the purchase. All of the info given was accurate and pretty much to the tee.

Dec 02, 2021

Tania G

John and his Assistant Dorothy Are AWESOME. They came in when all hope was lost towards the closing of our Dream House ,with them every step was smooth and pleasant.We got Approved and cleared to close in 2 weeks,At the Closing Table John and Dorothy were still by our side calling in and checking.I had the best experience ever, they are life Savers and my Family and I are forever Grateful.If I could give a rate of 20 Stars,I would…Thank you John and Dorothy ,You guys are Best. ... Read More

Nov 02, 2021

Larry E

Easy and pleasant to work with!

Oct 06, 2021

Sean K

John was great. Talked through a few different options. Responsive and knowledgeable. Made the process easy.

Oct 05, 2021

Dawn P

Everyone that I worked with was wonderful!!! All the information regarding our purchase was laid out so simply. I appreciated that as I felt like I had a really good understanding of what was happening every step of the way. I would recommend this company to anyone looking into purchasing a home. ... Read More

Sep 18, 2021

colleen L

John Was extremely helpful and knowledgeable for the entire home buying experience. He answered all of my questions and was very pleasant to work with. I would recommend him to anyone who is looking to buy a home!

Sep 16, 2021

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2022 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

Licensed by the Dept. of Business Oversight under the CRMLA.

Licensed as Preferred Rate in AL, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in AZ and NV. AZ Corp BK 0906702. CA DRE #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 2941/164. Licensed under the Oregon Consumer Finance Act.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – Residential Mortgage Banking | 100 West Randolph St, 9th Floor | Chicago, Illinois 60601 | (844-)768-1713

Licensed by the Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”