Sr. Mortgage Advisor

John Ruiz

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

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(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
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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

Olivia P

Easy to work with! Would definitely recommend .

Mar 10, 2021

Victor C

helped a lot with questions that i needed. will recommend to more

Jan 27, 2021

Jonathan P

John was a pleasure to work with. He was always available to answer all of the questions that I had getting my first big loan and made the process seamless. I’ll bet recommending him to my family, friends, and clients!

Jan 21, 2021

Christopher B

The process was seamless. It was great to work with John and his team again.

Jan 12, 2021

Vincenza S

John Ruiz was awesome. He made the whole process possible and kept working for us along with other colleagues to get us to closing. I don’t think our mortgage would have been possible without Preferred’s great personal work! Absolutely every step of the way! Definitely a five star organization! ... Read More

Jan 09, 2021

Daniel I

Definitely went out of his way to make everything a smooth process for me and my family. 15/10 definitely will recommend!!!

Jan 09, 2021

Lynda D

John is a true professional. He managed my loan before and I was confident he’d do a great job for my refinancing. He is always willing to answer your questions and walk you through the process so you are at ease. He offers great guidance, especially for people not as astute in this area. I really think he should go into teaching urban communities one day. ... Read More

Jan 02, 2021

Matthew W

Extremely nice people to work with! Smooth and easy transaction communication. Will be doing business with again in the future.

Dec 24, 2020

Tia S

John and his team are a pleasure to work with. They make everything easier and explain everything so that anyone can understand it. I was nervous thinking about buying a new house but John made me feel at ease. No better lender out there. ... Read More

Dec 02, 2020

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2021 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.)

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.”