This was our fourth purchase/refinance process. We prepared ourselves for the usual stress that a re-fi would bring. However, this time, the process was easy without any "bad" surprises. Shayan Ali, from Wintrust Mortgage, is a knowledgable, dedicated person who worked with us as a "partner" and followed through on every part of the process. He has a deep knowledge of the Credit score system and the requirements needed to qualify for the best loan. We followed his advice and suggested time line - he led us in the best possible way. The entire re-fi process, from credit score improvements to the last signature, was flawless. The result was a smooth closing.