John Ruiz
Sr. Mortgage Advisor NMLS# 560079 Licensed in CA, IL, IN and TN
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
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.
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Step 1 Connect with a Loan Expert
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Step 2 Get Pre-Approved
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Step 3 Make Offers
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Step 4 Lock in your Preferred Rate
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Step 5 Move in to your new home
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Step 1 Connect with a Loan Expert
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Step 2 Lock in your Preferred Rate
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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
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Fixed-rate Mortgages
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Adjustable-rate Mortgages
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Interest-only Loans
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Jumbo Loans
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FHA
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VA Loans
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USDA Loans
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Reverse Mortgages
Speciality Products
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Keys On Time Program
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Secure Lock Program
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Jumbo Investor Loan Programs
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Peak Loan Program
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High Balance Solutions
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Jumbo Solutions
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Home Ready
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Home Possible Advantage
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STaR Program for First-Responders
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Doctor Program for Medical Professionals
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Manufactured Housing Loans
See what John's clients have to say
Leticia B
How do I begin to express the professionalism of John. If you are in need of a Broker who will talk you through, explain in detail and have patience at the same time, John Ruiz is the person you are looking for. He made sure we understood the process, that we were okay the entire time of the process and answered each and every question we had during the process. We are so happy and pleased he was there to assist in purchasing our home. ... Read More
Sep 06, 2023
Daisy R
It was an absolute pleasure working with John and his team!! They are all so kind and supportive! I am grateful for the extraordinary work they did in helping with the VA loan. I always felt comforted knowing they were expeditiously working towards getting me through every hurdle. I will continue to recommend John to all my family and friends!! ... Read More
Aug 20, 2023
John B
They made my home purchase go very smoothly. I would and will recommend them in the future.
Aug 14, 2023
jacob j
John is an amazing, awesome loan officer. He made our dream home come true. He understands our financial situation and find best way to make sure we get approved. He made sure he updates us on every step of the way. He was very patience with us in explaining every detail of the loan. He told us everything we needed to do, and we follow his lead. From the preapproval process to closing took us less than 4 weeks which is amazing. I will definitely recommend him to anyone. ... Read More
Jun 16, 2023
Alexandria N
I was introduced to mr John from a coworker and when I first started the home buying process it was a little overwhelming and talk to John and he step me into what I needed to do to get my credit right what I need to pay to get qualified I did what needed to be done and now I can say I am a first time home buyer’s ... Read More
May 12, 2023
Johan A
Mr.John is the best lender ever, he is professional lender for all properties you guys needed, nice man and also he did all the great job to make you got the new house! trust him it’s work!
Apr 06, 2023
brianna s
So kind and very transparent. Very easy to work with on my first home purchase! I felt like I gained a friend also through this entire experience. John is so personable!
Dec 02, 2022
Nicki
I couldn’t have asked for a better mortgage loan officer. John truly went above and beyond to make sure my home buying experience was smooth and organized! He is the most patience lender, who truly takes the time to answer all of your questions no matter what time is day it! He goes above and beyond for his clients!! Being a first time home buyer, I didn’t have any experience and was very nervous about the process. John was there every step of the way encouraging me to ask questions when needed and taking the time to explain every detail of the process to me! He was honestly a blessing to me!! I wasn’t sure I was ready to even purchase a home when I went to John and now I currently own the most perfect home for me!! Anyone would be lucky to have John as their lender!! I highly recommend him!! ... Read More
Oct 29, 2022
Nicki L
John Ruiz from Preferred Rate was amazing to work with! I walked into the process with no experience, not knowing if I was going to buy or end up renting! Thanks to the help of John I just closed on the most perfect home for me!! He truly works at all hours of the day to make sure his clients are taken care of! He went above and beyond during my loan approval process and helped answer all of my questions along the way! John Ruiz is the absolute best and I highly recommend him!! Anyone would be lucky to have the opportunity to work with John!! An overall wonderful experience!!! ... Read More
Oct 29, 2022
