Sr. Mortgage Advisor

John Ruiz

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

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(708) 925-5148 (630) 686-1957 (Fax) [email protected]

350 Houbolt Rd., Unit 206
Joliet, IL 60431
Branch License Number #2313902

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
John Ruiz Preferred Rate and Family

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!

John's team

Work pic Cropped

Dorothy Leja-Kruzolek

Loan Officer Assistant

350 Houbolt Rd., Unit 206
Joliet, IL 60431
Branch License Number #2313902

imagejpeg 0(62) Cropped

Cindy Cunningham

Senior Loan Processor

350 Houbolt Rd., Unit 206
Joliet, IL 60431
Branch License Number #2313902

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

Melissa Q

John Ruiz was amazing, always available to answer my text, email and calls. I had many questions as a first time homebuyer and he showed patience and professionalism as he answered every one. I would definitely recommend working with John, he will look at ALL of your options to get you into the home you want! ... Read More

Mar 13, 2024

Sheila P

I was more than pleased with my experience with John and Dorothy. Responsive and available. Not to mention helpful. They made my experience enjoyable. I will use them again.

Mar 01, 2024

Bryan N

John is great!!! He is very knowledgeable and patient. He really looked out for me during the entire home buying process.

Feb 21, 2024

Tina T

I want to thank John Ruiz, Dorothy and all at Prefferred Rate! We are so happy to have had them here helping us along the way. As first time homeowners,they made our dream a reality! THANK YOU PREFFERED RATE AND THANK YOU JOHN RUIZ! HIGHLY RECOMMENDED!TINA.....WE DID IT!P.s..wish I could give you a million stars because that's what you all are! ... Read More

Feb 17, 2024

Cat M

John is truly a miracle worker. If it weren't for him and his persistence I would be homeless. I cannot thank him enough for everything he did to get me into my new home in record time. He has a client for life and all of my referrals. He is outstanding. ... Read More

Jan 20, 2024

Kim M

John and team made a tough transition very easy. We would recommend them to anyone.

Nov 22, 2023

user2731004

We had a difficult transaction. John & Dorothy were excellent at communication, setting proper expectations and getting the job done. We will definitely recommend anyone work with him.

Nov 22, 2023

Nicholas C

I had a lot of questions in regard to the housing market and steps to take with my situation specifically and John was super helpful. This is the type of person you want working with you on future endeavors.

Oct 14, 2023

8 M

John made it as easy as possible with the move. Made moving very easy

Oct 12, 2023