Mortgage Advisor

Millie Ruiz Wagner

Mortgage Advisor NMLS# 225675 Licensed in IL, IN

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5.0
(99 reviews)
(708) 945-3315 (630) 657-0533 [email protected]

1801 S. Meyers Rd. Suite 500
Oakbrook Terrace, IL 60181
Branch License #1962205

About Millie Ruiz Wagner

Your mortgage is personal, and I understand that.

Millie Ruiz-Wagner has earned a reputation for assisting her clients through the complexities of mortgage lending and home buying. Millie, who is fluent in Spanish, was raised in Chicago’s Pilsen. She dedicates herself to educating customers all along the way. Millie’s business base consists of many first –time home-buyers, who then return to her for refinancing or subsequent purchases. She attributes her success to significant referral business from previously satisfied customers.

Millie also works extensively with Chicago-area real estate professionals to ensure their customers have a pleasant experience in the mortgage portion of their purchase process. Millie is a dedicated professional whose success can be measured in part by immense customer satisfaction and her ability to weather the stormy economic conditions facing the mortgage industry today.

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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
Buy a home Refinance

See what Millie's clients have to say

Celeste J

Awesome job Millie & Alan was awesome got me my first home they worked hard to get me closed thank you for all help. Will definitely recommend them

Oct 16, 2025

Hans D

Was a wonderful experience working with her and her team! Truly couldn’t ask for anything else, as a veteran I felt extremely welcomed by Millie and her team. She was able to give the best opportunities for someone in my unique situation. The only lender I will be working with in the future. ... Read More

Oct 02, 2025

Denny C

As a first-time homebuyer, I was nervous about the process, but Millie guided me with patience and professionalism from start to finish. Highly recommend her!

Sep 10, 2025

Robin W

The service I received from Millie Ruiz-Wagner and her team was awesome a very respectful team and professional very knowledgeable when it comes to the process of purchasing a home 

Aug 28, 2025

Robin W

She is very committed and dedicated to her customers becoming a home owner . I’m a 2 time home buyer and I closed yesterday with Millie and her team it was truly an amazing experience. She worked countless hours to assure that this process was done in a timely manner . I am truly thankful to her and her team ... Read More

Aug 20, 2025

lawayne m

My experience was great and very hands on. Everything she did, or what hat to be done she took time to explain in full detail. She was very thorough and forthcoming in all necessary information. I would highly recommend her and her services. ... Read More

Jul 25, 2025

Crystal P

My sister n law referred me to Millie Ruiz- Wagner to help me purchase my first property. She was so easy to talk to, very knowledgeable and efficient. She got me pre approved within a week and 2 months later I closed! Millie was amazing to work with. I’m very grateful for her and the entire team’s hard work! ... Read More

Jul 24, 2025

Jakob L

Millie was great to work with. She definitely went above and beyond to help me receive my loan. Since it was my first house she guided me and helped with with any questions and concerns I had

Dec 03, 2024

Veronica C

I recently had the pleasure of working with Millie Ruiz Wagner from Preferred Rate to secure financing for the purchase of a building. From start to finish, the experience was exceptional. She demonstrated a deep understanding of the lending process and provided clear, concise information at every step. Millie was always available to answer my questions and offered valuable advice that made the entire process smooth and stress-free. Millie went above and beyond to ensure that I was comfortable and confident with my decision. The level of professionalism and personal attention I received was truly outstanding. I highly recommend Millie Ruiz Wagner and Preferred Rate to anyone in need of financing. Their expertise, commitment, and customer service are second to none. Thank you, Millie, for your exceptional service and support! Veronica C ... Read More

Oct 08, 2024

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equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2025 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. www.apmortgage.com

Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.

This site is not authorized by the New York State Department of Financial Services.  No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OK, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ BK 0906702. CA #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 164. Licensed under the Oregon Consumer Finance Act. OK MLO13426.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – 555 West Monroe Street, 5th Floor Chicago, IL 60661 | (888) 473-4858

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

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.”

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