This was our second mortgage process with Steve Kaphingst and Wintrust Bank and it was as easy as the first time. The electronic process was easy to use and if we had any questions or concerns Steve was always available to us to help us through the process. In addition the ability to have our closing at an area bank made the final closing very easy. Both my wife and I are happy to recommend Steve and Wintrust to anyone looking for a great team to work with for your mortgage process. Stan Konieczka