Sr. Mortgage Advisor

Vicky Howe-Orusa

Sr. Mortgage Advisor NMLS# 227796 Licensed in IL and WI

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(847) 212-5983 vicky.orusa@preferredrate.com

339 N. Milwaukee Ave.
Libertyville, IL 60048
Branch License #1963767

About Vicky Howe-Orusa

Your mortgage is personal, and I understand that.

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!

Read More See my reviews
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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 Vicky's clients have to say

Felipe C

Vicky was amazing, there are no words to thank her and her team for helping us with this process. She was very helpful and professional. We wouldn’t have our home if it wasn’t for her.

Feb 15, 2022

Jannet C

Vicky was by far the most AMAZING lender! Words can't describe how amazing she was through our whole process. She went above and beyond to make this happen for us! The sweetest, most friendliest and caring person we have encountered! We would totally recommend EVERYONE to her! ... Read More

Feb 15, 2022

pamela w

Vicky Orusa was absolutely a pleasure to work with. She's very knowledgeable, helpful and kind. I truly appreciated her response time, expertise and just great customer service. No question was ever too dumb for me to ask. She is truly great at her job and I would definitely recommend her to others. Thanks again! ... Read More

Aug 11, 2021

Sean B

Our house closing was under severe stress and a very tight deadline. While many contracts took the better part of 6 1/2 weeks minimum to complete. We had 23 days! Vicky was outstanding at responding in a timely manner. We had everything in order on time and it was always because she knew who to contact, and what was coming next. Our timeline was narrowly met even though we were way ahead of the normal schedule. Talk about a squeaker. Thanks Vicky, you are the best! ... Read More

Jul 29, 2021

Cheryl B

Vicky seemed to really care about insuring that we were successful in getting the financing that we needed. I was impressed with both her professional and friendly manner of getting things done!

Jun 15, 2021

Alyssa M

Vicky has helped us with our last 2 home purchases. She is very patient with our questions and super helpful/organized. Highly recommend!

Jun 01, 2021

Stacey D

Vicky was the best! We were in contact a lot! Every time I had a question she got right back to me! She even worked nights and weekends to help us! We appreciate everything she has done for us!

May 29, 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