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

Sheila A

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

Oct 06, 2022

Mathew J

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. ... Read More

Aug 16, 2022

kamal k

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

Jul 30, 2022

Daisy C

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. ... Read More

Jul 19, 2022

Ivan C

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. ... Read More

Jul 19, 2022

Caj

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.

Jun 27, 2022

Monica M

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!

Jun 04, 2022

Caro O

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. ... Read More

Mar 10, 2022

Kris M

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

Nov 30, 2021

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