Our Professionals & Locations


Whether you are buying, selling, or refinancing, it is important to have an experienced mortgage professional to help you analyze your financing options, and make sure the closing goes smoothly.

I have been originating mortgages for 25 years and I work only on a referred basis. After working for different companies for 4 years, I joined a small mortgage company in 1990 called Woodfield Planning Corporation. We built a successful company in the northwest suburbs of Chicago with offices in Crystal Lake and Rolling Meadows. In February of 2011, Woodfield Planning merged with Wintrust Mortgage, a division of Barrington Bank and Trust, N.A., a Wintrust Community Bank. Wintrust Financial is one of the largest regional financial holding companies with assets above 12 billion.

You will not see my name in a newspaper ad, hear me on the radio advertising to the general public or making cold calls. The positive side of this for my business is everyone who contacts me has received my name through someone they trust who has had a good professional experience with my team and me. The important part of all this to you is that as the client, you receive the best possible consultation, service, rates and cost structure. Since we are by referral only, my team consisting of Kim Kovacs, Kristie Schuller, Carmen Cervantes and myself, are not just interested in your current specific transaction but also the long term so you are comfortable returning back to us and referring others in the future.

Please remember to get me involved early on in your home-buying process. Being Pre-Qualified not only gives you a better idea of what you can qualify for, it also gives you a stronger negotiation position when you find the home of your dreams. Call me today to get started or feel free to complete the online Pre-Qualification Form. I look forward to working with you and being involved in helping you close on your new home or refinance.



"Joe and his team made the process easy. They patiently explained things in a way I could understand. Joe instilled such a feeling of trust in me that I had no fear or apprehension at all throughout the entire process. He is friendly and professional and a pleasure to work with!" -Diane D. 3/16/17

"I found Joe to be a true professional. I will recommend him to all of my friends and family." -Bradley E. 2/9/17

"I have used Joe in the past. Has always been a pleasant and smooth experience. Will come back again!" Brent O. 2/8/17

"This is the third loan Joe Jozwiak has prepared for us over the past three years. Super service and always available for our questions. Knows his business. We will use his services again when the need arises" -Gary K. 1/11/17


"Outstanding correspondence from your client. I know this deal has not been easy, but you and Kristie stuck with it and got it cleared to close. You’re a huge asset to Wintrust and the clients you serve. "


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