I was very pleased overall. My only disappointment was that I had to ask about a rate including a point vs. being offered it as an option in the first place. My goal was to lower my monthly payments as much as possible, and while I'd rather not have paid a point, doing so enabled a better rate. That said, I would highly-recommend Wintrust Mortgage and Michael Conrath to anyone looking for a refinance. He and his colleague were responsive, thorough, and the entire process required minimum involvement from my end. I am grateful.