Mortgage Advisor

Millie Ruiz Wagner

Mortgage Advisor NMLS# 225675 Licensed in IL, IN

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(708) 945-3315 (630) 657-0533 mwagner@preferredrate.com

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

See what Millie's clients have to say

Tylnn J

THANK YOU MS WAGNER FOR HELPING ME WITH MY HOME LOAN. EXCELLENT SERVICE

Nov 24, 2021

Peach G

This was the best experience i could have ever had...Millie and Omar were the best and they held my hand through this entire stressful Covid layden process... American Pacific Mortgage is the way to go for your home loan needs!!

Sep 15, 2021

Miriam B

Millie was a great help, we were off to a rocky start but she helped guide us in the right direction. We are so happy with her service and will definitely recommend her to anyone looking to purchase a home.

Aug 18, 2021

Zayury R

Millie went above and beyond. It was so comforting to see someone who cares the way Millie does. I really appreciate her hard work and her dedication to her clients and her work. Through out the entire process, she made sure we felt taken care of and heard. I would 10 out of 10 recommend her. ... Read More

Aug 12, 2021

Tyrone W

This wasn’t an easy process but Millie my mortgage broker really made the experience all worth it!!! She made sure I got the best rate, also while helping me with assuring all of my documentations was in order!!! Thank you for assisting me in my dream home. I’ll definitely recommend your services to any of my clients that’s pursuing the home buying experience!!! ... Read More

Aug 01, 2021

Tyrone W

This wasn’t an easy process but Millie our mortgage broker really made the experience all worth it!!! She made sure I got the best rate, also while helping me with assuring all of my documentations was in order!!! Thank you for assisting me in my dream home. I’ll definitely recommend your services to any of my clients that’s pursuing the home buying experience!!! ... Read More

Aug 01, 2021

Janelle B

Millie did an amazing job! This was my first experience purchasing and she answered all of my one million questions with ease. She was patient with me, she is very knowledgeable and she always responded quickly. I will definitely be reccommending her! ... Read More

Jul 28, 2021

Michelline S

This beautiful soul fought long and hard to get this house for me and my family. She recognized how important it was and is to me & went the extra mile to make it happy. A big big thankyou to her and Ester Roudenbush!

Jul 23, 2021

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.)

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.”