We have worked with Jay and Wintrust for 2 mortgages and one refinance over the course of the last 5 years and each time he has been a trusted guide. We have worked with him in very different markets and each time he was just as knowledgeable and effective. His expertise, communication, and desire to help at every turn are invaluable. Whenever I called to talk through a question he way always available and extremely patient. Without a doubt, we will reach out to Jay for all future mortgage and refinance questions. We highly recommend him!