Your   homeownership journey starts here

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.

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!

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 

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

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.

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!

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

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

I can't express how grateful I am to Millie for making the process of financing my first property so smooth and stress-free. From start to finish, their team was incredibly professional, patient, and always available to guide me through every detail. I never felt lost or overwhelmed, as they made sure to explain everything in no time, with clarity and care. It truly felt like I had a family protecting me every step of the way. Thank you, Millie and her team for making my dream of homeownership a reality!

I can't express how grateful I am to Millie Ruiz for making the process of financing my first property so smooth and stress-free. From start to finish, their team was incredibly professional, patient, and always available to guide me through every detail. I never felt lost or overwhelmed, as they made sure to explain everything in no time, with clarity and care. It truly felt like I had a family protecting me every step of the way. Thank you, Millie and Alan , for making my dream of homeownership a reality!

I most definitely recommend Millie Ruiz and the rest of the team at Preferred Rate. She was amazing to work with. She was very helpful and walked me through the process of purchasing my first home. Thank you Millie for all your help!

They helped me thru the whole process they made it feel so easy and comfortable I really appreciate the team thank u so much 

Millie did a great a great job of communicating every step of the way! Helped us t through all the bumps in the process!

Very good experience. Questions or concerns were answered in a thorough and timely manner. The process went pretty smoothly. Would recommend.

This is a testimony of how God works miracles with other people. My wife and I have been planning to purchase a home since last year. So our Realtor introduced us to Millie Wagner from Preffered Rate. So unfortunately we didn't purchase last year. So this year we decide to look again. But it's funny because it was on God time. He placed it in her heart to call me, instead of me reaching out. We'll we came across a beautiful home and we proceed in purchasing it. We'll the process wasn't easy at all. But Millie and her team went above and beyond to get me approved for the purchase of our forever home. Just closed on the house 8-12-2024. So that being said, Millie, God bless you, and your team for doing such a great job all the way around! I can't wait to met you in person and give you a big hug. God Bless you!

Yous all did a Great Job yous were great in finding n us a wonderful new home. I will definitely recommend yous to anyone wanting to buy a home . Thank yous all

I would like to thank Millie and Allen for the great work, they did working with us and helping us out where we need it. They did a great job and both work great as a team. Our family, thanks them very very much for helping us go through this process. Great teamwork.

It was a pleasure working for Millie Ruiz Wager she worked with me and went over and beyond to get me into my first home 🏠 from the bottom of my heart ❤️ I’ll always be grateful and appreciative for what she did I would highly recommend Millie for your loan officer

The reason that I gave 5 stars is solely because of Millie. Millie was very attentive, informative, quick and just overall great to work with. Millie answered the phone just about every time I called. I felt heard, and appreciated through this entire stressful process. I would recommend Millie to anyone.

Amazing company overall but HIGHLY recommend using Millie! Millie the best she will go the extra mile for you, also treats you like family. Thank you!!!

Millie is the best lender anyone can ask for. It was amazing working with her and her team. They go above and beyond to make the deal happen. I’m super happy with my first rental property. Many more to come. Thank you for such an amazing experience.

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Millie Ruiz-Wagner was amazing in helping us secure our construction loan. We got the highest value at the lowest rate and she kept in touch throughout every stage of the process. Highly recommend working with her!!

Millie & the rest of the team from Preferred Rates, really did helped me out throughout the whole entire process of owning my very first home. From the beginning to the end, they tend to go above & beyond for me. They provided great service on my journey of buying a home. What I value the most from them, when certain things is hard for me, they responded very quickly to put my mind at ease. They are very willing to those who are in need and I am truly grateful for them.All of them is hardworking professionals and I personally highly recommended for everyone to use their services 🙏🏾

Millie & the rest of the team from Preferred Rates, really did helped me out throughout the whole entire process of owning my very first home. From the beginning to the end, they tend to go above & beyond for me.They provided great service on my journey of buying a home. What I value the most from them, when certain things is hard for me, they responded very quickly to put my mind at ease. They are very willing to those who are in need and I am truly grateful for them.All of them is hardworking professionals and I personally highly recommended for everyone to use their services 🙏🏾

Thank you Millie... working with you was a pleasure... I really liked your professionalism and desire to genuinely help me out for my best interest... 👌

I would highly recommend Millie and her team. They made my out of state purchase for my property super easy!

Extremely professional and very helpful through the process of getting my FHA loan. Millie is really knowledgeable when it comes down to real estate and have a great team behind her. Want to say thank you very much for helping me and my family through this process. Will highly recommend you to anyone cuz I know that you will get the job done.

Our family can’t thank Millie enough. Love her professionalism, I love that we were able to call her whenever and she would pick up. She was fast and efficient with all her advice and help, as first time homeowners we were scared about what we were getting ourselves into, but her empathy and guidance got us to were we are today. Homeowners!!!! Thank you Millie.

Millie and her entire. They go above and beyond to help you the entire process.

Great service, I would definitely recommend.Buen servicio, yo definitivamente recomiendo.

I recently had the pleasure of working with Millie Ruiz-Wagner on my client's home financing. I must say, I was thoroughly impressed with her professionalism and dedication to providing exceptional service to my client.From the beginning, she showed a deep understanding of the lending process and provided expert guidance on various financing options available to my client. She worked diligently to find a loan that met my client's unique financial needs and kept me informed every step of the way.Her responsiveness and attention to detail were truly exceptional. She always went above and beyond to answer any questions my client or I had and made sure the process went smoothly from start to finish. Thank you Millie!

Millie was amazing to work with! She was so helpful and walked us through every step of the process. 10/10 would recommend to anyone, but especially first time home buyers.

Millie was the best.she is outspoken, efficient and gets things done. She helped us through even the biggest of hurdles and made the process easier. Highly recommend!

"Working with Mrs.Millie and her team were a pleasure. They were professional, knowledgeable, and went above and beyond to make sure we got the best possible mortgage rate. They kept us informed every step of the way and made the process stress-free. We would definitely work with Mrs. Millie and her team again in the future!"

HIGHLY recommend using Millie! She made this process seamless and everything was done online. Super organized and continuously checked on me throughout the process to make sure all my questions were answered! I will 100% use her next time when purchasing a home:)

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Millie and the Preffered Rate team did an excellent job in helping me get my mortgage application processed and approved. Millie kept me updated every step of the way and was always available to answer any questions or concerns I had. Highly recommend Millie Ruiz-Wagner.

Millie was very helpful in our home buying process by making everything simple and easy to understand. She pushed us when needed to get everything done on time and kept us on track.

She helped me every step of the way and was a great help through out the entire process!

Very professional. Thank you so much for being patient and working with and have a great day.

Business with Preferred Mortgage (Division of American Pacific Mortgage) was a great experience. In particular, the associate Millie was very helpful in explaining our concerns and addressing them in a professional and friendly manner.Millie is a wonderful person to work with and Preferred Mortgage is a great company that I would recomment to any one, thank you Millie.

Millie and her team are Hard working and very helpful and friendly

Millie and her team were excellent to work with by communicating well, and staying on top of the process making me a very happy customer.

I have nothing but great things to say about Mila and her team since the initial home-buying process to the end, Mila showed a great amount of knowledge in the loan process She is very professional, punctual, attentive, and very informative. This journey would not have been as smooth as it was if it would not have been for her great skills and experience. Overall, I can't express enough how thankfull we are for her support in helping us buy our dream home. Thank you, Mila -From the Contreras Family.

I have nothing but great things to say about Mila and her team since the initial home-buying process to the end, Mila showed a great amount of knowledge in the loan process She is very professional, punctual, attentive, and very informative. This journey would not have been as smooth as it was if it would not have been for her great skills and experience. Overall, I can't express enough how thankfull we are for her support in helping us buy our dream home. Thank you, Mila -From the Contreras Family.

Marie and her team were excellent to work with by communicating well, and staying on top of the process making me a very happy customer.

Mrs. Wagner was absolutely amazing. She went above and beyond to make the process as easy as possible. She was a joy to work with!

Millie went above and beyond to make it as easy and smooth as possible, she was always available when needed even after hrs which I really appreciate it due to my crazy work hrs being off so late. She always explained all the process and answer all questions.

Millie and her team are great. Always attentive and make clear everything you need to get to them. As a Realtor I highly recommend and she is also the lender I have trusted with all my home loans

As a Realtor I recommend Millie to all my clients and it was no different for when I needed a home loan. She definitely goes above and beyond

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

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!!

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

First time home buyer- Millie was clear and communicative throughout the process! I felt supported and really appreciated the prompt responses

Exelente, GRACIAS

Thank you for all the help. The whole team helped me a lot; all I can say is THANK YOU.

Millie Ruiz-Wagner is a very experienced and professional loan specialist who came through for us and got our refinance done! Her boss Mike is the nicest guy and we couldn't be happier with Alan Walsh, Millie's assistant who even on the day of closing was checking and double checking to make sure everything was done.The team was the best & we are very fortunate to have had them working on our loan. We would highly recommend their services.