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The mortgage process simplified.
Fast approvals, local experts, trusted results.


NMLS: #227796
Vicky Howe-Orusa
Sr. Mortgage Advisor
Phone number:
Email:
[email protected]There are only a few things people cherish more than their home. The home where Family and Friends gather. Where Love Grows. I have had the good fortune of helping thousands of families and individuals finance their homes throughout Illinois, Wisconsin and Indiana for more than 30 years.
If you are looking to purchase or refinance a home, let’s talk. I work hard to make it easy for you to make the best decision for your specific situation. I understand the credit process innately. As your advocate, I walk through each step of the process, from application to close. Seeing my customers receive the keys to their new homes is what makes this worthwhile.
Specialties: I especially enjoy guiding first-time homebuyers and Veterans through the mortgage maze. I have in-depth FHA and VA loan experience. To all my past and future Veteran clients: I salute you!
Licensed in:
IL and WI
Contact info
Why work with me?
5.0/5 Rating
47 reviews
Real clients. Real results.
Loan Programs
Refinance With Purpose
Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around
what matters most to you.
Consolidate Debt
Simplify what you owe. Use your home’s equity to combine high-interest debt into one payment.
Lower Payments
Improve monthly cash flow. Even a small rate adjustment can create savings over time.
Get Cash Out
Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.
Change to Fixed Rate
Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.
Refinance VA Loan
Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.
Discover your home’s value instantly.
Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property.


We'll watch the market for you
Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.
Mortgage Calculator
Estimate your monthly payment in seconds.
$400,000
Customize taxes, insurance & HOA
$0
Frequently asked questions
With short and easy to understand answers.
Couldn’t find your answer?
[email protected]How fast can I get pre-approved?
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How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
Couldn’t find your answer?
[email protected]Ready to take the next step?
Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.
- Competitive rates
- Expert support
- Easy process




































