Millie Ruiz Wagner - Preferred Rate

About

Millie Ruiz-Wagner NMLS 225675, fluent in Spanish, has earned a reputation for assisting her clients through the complexities of mortgage lending and home buying. She dedicates herself to educating customers all along the way. Her 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.

She also works highly with Chicago-area real estate professionals, striving to enhance their clients' mortgage experiences. Her dedication and success are evident through high levels of customer satisfaction and her resilience in navigating the challenging economic landscape of the mortgage industry.

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We are ready to answer any questions and help you through the home financing process, whether it is over the phone, via email, or in person. We are available when you need us and we can even come to you. Reach out to get started.

Tap into your home's equity for home improvements, debt consolidation, investments... whatever you need! Ask me about our Home Equity Line of Credit program so you have access when you need it!

Words to live by!

We have great programs for first-time homebuyers or anyone needing low-down payment options. Call today to learn more about your options.

When the market is moving it can feel like you’re out of luck. Our interest rate hack can help get you into your dream home today!

Experian, Trans Union, Equifax take required information when a lender pulls credit and sells it for leads. So once your credit is pulled by a lender, others can purchase your information. We suggest opting out before applying for a mortgage, to avoid annoying calls or mail.

Have you been thinking about buying your first home? Here are a few tips to get you started, but don't stop there! Call me today for more information and tips for first-time buyers - and we'll work together to make your homeownership dreams a reality.

If you're looking for a sign, here it is! #Dreamhome

Have you gotten a second opinion yet on your loan offer? Call today for your complimentary second opinion!

Are you ready to buy your dream home but you don't have your down payment saved up yet? We can help!

This is a great option for anyone wanting to sell or refinance within 7 years! Our Jumbo Adjustable-rate Mortgages (ARM) up to $2 million in financing and lower interest rates than conventional mortgages for the first 5 or 7 years, then the rate will adjust every 6 months. Call today to see if this could be right for you.

Trying to sell your home but buyers are worried about rates? We have a hack for you! Offering a buydown as a concession can help get your home sold - ask me how!

Our Community Lending Program not only opens doors to your dream home but also brings rate improvements in select areas. Let's turn your homeownership dreams into reality – reach out today!

Interested in a mobile home built between 1976? We can help!

The rumors are true: Homeownership just got 2% easier! With Preferred Rate's 1% Home program, you can buy a home with a 1% down payment. Some restrictions do apply, so make sure to consult with your local Preferred Rate Mortgage Advisor today to see if you qualify.

Ditching debt like a boss! Try these savvy strategies to make your financial goals a reality, one smart payment at a time.

Co-signing a mortgage for your child can be both beneficial and challenging. Before you decide, it's crucial to think about how it could affect your finances and relationship with your child. Here are some things to keep in mind. Reach out today to learn more!

Dream of owning a home? Your income doesn't have to stand in your way! Explore first-time homebuyer loans tailored for those with limited income. Start building your future today!

Working with Preferred Rate means you're connected to one of the leading mortgage lenders in the industry, and we've got your back.

Having a list of mortgage questions to ask your mortgage advisor is just the start. Knowing the answers you’re looking for puts you ahead of the game. These mortgage questions will help you find the best home loan from the right lender. - What type of mortgage is best for me? - How much downpayment will I need? - Do I qualify for any down payment assistance programs? - What is the annual percentage rate? - Are you doing a hard credit check on me today? Ready to chat? Reach out today!

Our Community Lending Program is a pathway to generational wealth! Break the barriers to home ownership and secure your family's financial future. Let's build a legacy together! #CommunityLending #GenerationalWealth #HomeOwnershipJourney

Big news in real estate! Fannie Mae just dropped a game-changer – a sparkling 5% down payment option for multi-unit properties. Your dream of owning that duplex or triplex just got a whole lot closer! Let's talk about how I can help! #RealEstateRevolution #5PercentToDreamHome

Don't be tempted - call me today with questions!

ou care for others every day, so when it comes to your home financing needs—let us take care of you! Whether you are considering a home purchase or refinance, we’ve created a specialized mortgage program with flexible terms for medical professionals! Reach out today to learn more.

You care for others every day, so when it comes to your home financing needs—let us take care of you! Whether you are considering a home purchase or refinance, we’ve created a specialized mortgage program with flexible terms for medical professionals!

Whether it's credit, buydowns, or acreage, we have you covered! Give us a call to learn more! #jumboLoan

What makes your home special and the place YOU love to live? #grateful #countingblessings #homeiswheretheheartis

As parents, we want to support our children in every way possible, especially when it comes to their dreams of homeownership. ? If you're thinking about helping out by cosigning there are definitely things to consider. Want to talk it through? Let's connect today!

Our homes are more than just structures; they are the canvases on which our stories are painted. Each room holds memories, laughter, and moments that shape who we are. What does your home say about you? #HomeSweetHome #TellYourStory #MemoriesMadeHere #HouseToHome

The 'Purchase Contract' is the written agreement that seals the deal in the homebuying process. It outlines the terms and conditions between the buyer and seller, ensuring a clear understanding and a smooth path to homeownership. #MortgageVocabulary #HomeBuyingProcess

Curious about 'Home Inspection'? It's a detailed examination of a property's condition, offering valuable insights before you make the big move. Think of it as a thorough check-up for your potential home, ensuring you make an informed decision on your journey to homeownership.

Let's talk 'Appraisal'—the home's report card! This report determines its market value, helping you and your lender make informed decisions. It's like a helpful guide on your homebuying adventure, ensuring you're on the right track to your dream home. #MortgageVocabulary

Unlocking the mystery of mortgages! APR, or Annual Percentage Rate, is your total cost of borrowing, including interest and fees. Knowing your APR helps you make informed decisions on your home financing journey. #Mortgage101 #FinancialLiteracy

Navigating the homebuying process? Familiarize yourself with "Closing Costs." These are the fees and expenses you'll incur during the final stages of a real estate transaction, so budget accordingly to streamline your homeownership journey. #MortgageVocabulary #HomeBuyingTips

Let's chat about the 'Deed of Trust'—your homeownership hero! This document secures your mortgage by giving your lender an interest in your property. It's like a pact, ensuring a trustworthy partnership on your exciting journey to owning a piece of the world. #MortgageVocabulary

Understanding your financial health is key in the mortgage game. The Debt-to-Income Ratio, or DTI, is a crucial metric lenders use to assess your ability to manage monthly payments. Keep it low for a smoother path to homeownership. #MortgageVocabulary #FinancialFitness

Navigating the path to homeownership? Familiarize yourself with 'Down Payment.' It's the initial upfront payment you make when purchasing a home, a crucial part of the homebuying process. Plan wisely to pave the way to your dream home. #MortgageVocabulary #Homeownership

Ever heard of 'Earnest Money' in real estate? It's a deposit you provide to demonstrate your serious intent to buy a property. Offering earnest money can strengthen your offer and show sellers you're committed to the deal. #MortgageVocabulary #RealEstateTips

Curious about 'Escrow' in the homebuying journey? Think of it as your trusty middleman! It's a safe account where funds are held during the sale, giving you and the seller peace of mind. It's like having a financial BFF for a smooth ride into your dream home! #MortgageVocabulary

Let's chat about 'Loan-to-Value'—the cool factor in home financing! It's the ratio of your loan amount to your home's value, helping you understand the financial vibe of your investment. Embrace the LTV magic for a friendlier journey to your dream home! #MortgageVocabulary

Buying a home is a big deal. Whether you’re a first-time homebuyer or shopping for your next home that finally has enough bathrooms, stepping inside a home you call your own is everything good. Deciding to shop for a new home can feel exciting in the beginning. But once you’re ready to take action, things can get stressful very quickly. We’re here to help change that. Reach out to me today to learn how we may be able to make your dream of homeownership a reality!

Home is a place for new beginnings. What's your favorite thing about homeownership?

Equity reveals the portion of the property value that you can rightfully claim as your own. If you are planning to sell your home, the higher the equity amount, the more cash you will get out of the sale. For most, the equity built up in a home is the largest financial asset and an incredible way to build wealth. How fast or slow home equity grows depends on property values and how much principal you pay down on your mortgage.

Did you know that you do not have to put 20 percent down on a house? In fact, the average down payment for first-time buyers is just 6 percent. And there are loan programs that let you put as little as zero down. However, a smaller down payment means a more expensive mortgage long-term but if you want to get into a house sooner rather than later, that might be a sacrifice you want to make! Thinking of buying? Reach out to me today to learn more about your down payment options!

Are you a Veteran or Active Duty? We may be able to help you get into the home of your dreams. Reach out today for more information!

Are you a Veteran or Active Duty? We may be able to help you get into the home of your dreams. Reach out today for more information!

Curious about a VA loan? Here's a closer look at how it could benefit you.

Your dream home is waiting...

Tap into your home's equity for home improvements, debt consolidation, investments... whatever you need! Ask me about our Home Equity Line of Credit program so you have access when you need it!

Getting you into your dream home doesn't only happen on a weekday. I'm here when you need me -- even on weekends!

Are you considering buying a home? Preferred Rate has you covered. Reach out today to discuss down payment assistance options available to you. #preferredrate #homeownership #homesweethome #mortgage #mortgageadvisor #creatingexperiencesthatmatter

Don’t let something silly get in the way of closing on your dream home. Even if you can afford it, avoid making large purchases that could impact your credit. This can make or break a mortgage approval.

Buying a home can be a long journey. But you can make the journey so much better and easier if you start with the right mortgage advisor! I'd love to help you get into your perfect home, just send me a message!

Frequently Asked Questions