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) 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

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

Taniko B

The Whole team was awesome!! They helped me threw this process of buying a home. I would absolutely refer them to people.

Oct 15, 2022

Martin S

John was amazing He and his assistant Dorothy were there every step of the way making it a smooth and easy process with great patience John worked hard to get me the best rate. He also advised me on how I could save thousands of dollars on my mortgage loan. John and Dorothy were always available to answer any questions day or night Thank you John Ruiz ! ... Read More

Oct 09, 2022

Jason G

John and his staff was quick to answer any questions and we had our loan handled almost immediately. They were available almost any hour of the day and any day including weekends. They defently care about there clients. I would recommend them to any of my friends or family in a hart beat. ... Read More

Sep 10, 2022

Sara P

John Ruiz and his assistant Dorothy are absolutely expectional! They keep an open line of communication though the entire loan process, answering all of our questions in a very timely manner. We really appreciated how John was able to give us such a clear, easy to understand breakdown of our road to close. John also worked diligently to help us secure rates and find the best options for us. We felt so confident with John and Dorothy every step of the way. We will be recommending them to all our friends and family, and will absolutely use them again if we ever need a loan! Thank you John and Dorothy! ... Read More

Aug 18, 2022

Carter S

It was great Jon answered any ? I had and always got back to me was super great man to deal with thank you Carter Scott

Aug 12, 2022

Adewale A

Greatest of all time.(G.O.A.T) Above and beyond is his service from A to Z. Bravo John !!! Champs Ruiz !!!

Jul 28, 2022

Norm N

Expert Loan Officer will get the job done!!!

Jun 30, 2022

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, AZ, 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 NV. AZ Corp BK 1014819. 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.”

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