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

5101 Washington St Suite # 5
Gurnee, IL 60031
Branch License Number #1958274

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

Chris H

Vicky went above and beyond in service, and time to do the refi. She answered all my questions and was very pleased in working with her.

Mar 12, 2021

Natalia O

Vicky was so incredibly helpful & quick to respond. My fiancée & I were buying our first home & really didn’t know what to expect. But Vicky talked us through the whole process & just made everything easy to understand. The process of buying a home went so seamlessly. I would recommend Vicky to anyone buying a home. ... Read More

Mar 02, 2021

Kyle L

Vicky was very helpful and made the process as first-time home buyers as seamless as possible. I would highly recommend her to anyone and everyone!

Mar 02, 2021

Natalia

Vicky was so incredibly helpful & quick to respond. My fiancée & I were buying our first home & really didn’t know what to expect. But Vicky talked us through the whole process & just made everything easy to understand. The process of buying a home went so seamlessly. I would recommend Vicky to anyone buying a home. ... Read More

Mar 02, 2021

Jorge D

Vicky is amazing and fast to respond to anything and most importantly patients with all the questions We had. Love the service.

Jan 22, 2021

Joseph P

Vicky made this process of buying a very easy process. There were several bumps in the road as we went through the process. It was her expertise and professional approach that helped me successfully navigate each one. Especially several that happened on the closing day. She stayed on top of everything and proactively communicated with me all the way through the process. A true professional and a gem to be appreciated. ... Read More

Dec 20, 2020

Douglas S

I had the best experience. Vicky was very helpful with all this new technology. Thankyou Thankyou.

Nov 19, 2020

Edward A

Vicky was recommended to me by a friend when I was looking into possibly refinancing my condo. She helped me find a good fitting mortgage and was easy to reach. She was always able to answer all of my questions and clarify what the mortgage entailed. I'm very happy having worked with her and will definitely be using her in any future purchases. Thanks! ... Read More

Nov 09, 2020

Jodi B

Very informative and available to assist whenever we had questions!

Nov 05, 2020

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.)

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.”