Certified Mortgage Planner
NMLS #: 755910
St. Charles Bank & Trust
David Bernat has been in the banking and finance industry since 1985. He is 47 years old, has been married sixteen years, has a thirteen year old son, and moved to the Tri-Cities area in 2004. In 1991 David began his career in Residential Mortgage Lending as a loan processor. He has held most every operational position; processor, underwriter, closer and post-closer. It was this training that provided the foundation and knowledge needed to begin his career as a loan originator.
In 1998, David was honored by the past president of the Illinois Association of Mortgage Brokers to receive a scholarship for the Certified Residential Mortgage Specialist "CRMS" designation. David accepted this honor and in September of 1999, completed all requirements and testing, and received the nationally recognized CRMS designation. Since receiving his designation, David has continued his education to remain current with the changing Federal and State Lending regulations.
When David is not originating mortgage loans or helping local real estate agents build their business, he can often be found attending his son's sporting practices, games and tournaments as well as golfing, vacationing with the family, or enjoying a backyard barbeque.
"David Bernat has been my mortgage banker for over 13 years. I invest in single family homes and he has helped me with every acquisition and refinance. His service has always been top-notch. He does not hesitate to spend the extra time and effort to deliver the loan on time. He always answers any question on financing, and I've asked almost every question imaginable. I have recommended David to everyone I know, and will continue to do so."
Charles P. (Darien, Illinois)
"I have dealt with many loan officers over the past 25 years. I am a real estate broker and will use David Bernat any chance I get. He was exceptional and made my own transaction very easy and extremley stress free."
Norine T. (Clarendon Hills, Illinois)
"Excellent customer service, follow up was prompt and fast. Messages were returned right away. We were very happy with the service we received."
Burhan & Livia M. (Aurora, Illinois)
"Excellent staff. David Bernat is very efficient and he really cares about his clients. It shows and that's what makes him different/better than other loan officers. I will continue to refer friends and family to him!"
Raul S. (Brookfield, Illinois)
"David Bernat has always been professional, courtious, and available anytime I needed answers. He is extremely helpful & knowledgeable. I wouldn't trust anyone else to handle my mortgage."
Laura H. (Plainfield, Illinois)
"Special kudos to David Bernat for spotting an $1,800.00 error the Title Company made. He brought this up at the closing and they issued a check immediately. Job well done!"
Frank G. (Lisle, Illinois)
"Dealing with David Bernat gave me confidence! He's really a great leader! He was timely, responsive and educational."
Janice H. (Chicago, Illinois)
"David Bernat was excellent - very thorough, and approachable with questions. Nice touch for him to be at the closing. He returned phone calls...extremely prompt. Great to work with!"
John T. (Oak Park, Illinois)
"Don't change anything - Dave was great - everyone was amazed at how easy it was for me to get approved and close!"
Gabrielle M. (Brookfield, Illinois)
"Mr. Bernat was very professional and I will continue to highly recommend him to everyone I know!"
Mike U. (Berkeley, Illinois)
"I was very pleased with the all-around service and communication with David Bernat. David is very personable and great to do business with."
Marguerite M. (Brookfield, Illinois)
"Hold on to David Bernat- very courteous, knowledgeable, professional and fast call back time."
Claudia H. (Oak Park, Illinois)
"David Bernat was just great. We are so grateful, especially to him, but also to everyone else who helped us get into our very first home. Thank you all!"
Thomas & Jennifer E. (Berwyn, Illinois)
"I really appreciate how responsive and proactive David was. I felt like I was really being taken care of."
Joan S. (Oak Park, Illinois)
"David was super prompt in return calls on any voicemail I left him! Very knowledgeable, helpful, and thorough."
Ronald C. (LaGrange Park, Illinois)
"I really felt I was served extremely well. David always called back immediately and was very reassuring when I had concerns. The process went smoothly and I felt I was in good hands."
Sharon J. (River Forest, Illinois)
"David Bernat did an excellent job. He was fundamental in every step of the process. He's an excellent originator who's always looking to help you."
Carmen V. (Joliet, Illinois)
"David Bernat is the best! I had total confidence throughout the process and he stood behind everything he said."
Timothy G. (Oak Park, Illinois)
"David Bernat is an all around good mortgage banker who respects his clients and wants to help them do well with their mortgages."
James B. (Forest Park, Illinois)
"David's superior skills and professionalism made this an easy, painless process!"
Sheila J. (Forest Park, Illinois)
"I recommend David Bernat as a reliable, hard working originator who delivered my mortgage in a very tight time frame."
Ira A. (St. Charles, Illinois)
"David Bernat stands out exemplifying his professional attitude and knowledge of the mortgage business."
David C. (LaGrange, Illinois)
"We refer whenever we can! David Bernat is fantastic!"
Heather H. & Phillip P. (Naperville, Illinois)
"Very impressed by our loan officer David Bernat...easiest closing we have experienced."
James & Patricia G. (Littleton, Colorado)
"Mr. Bernat is truly the best Loan Officer I have delt with in the past 10 years. He is prompt, professional, and above all, a great resource in the mortgage business. I recommend Mr. Bernat everytime there is a need for a great, reliable mortgage professional. Great Work! THANK YOU!"
George & Sonja P. (Park Ridge, Illinois)
"Thank you to David Bernat & team for a smooth refinance. David is very knowledgeable and helpful."
Preston & Mary S. (Crest Hill, Illinois)
Wintrust Mortgage was created to assist in the realization of the American dream of home ownership. Our large volume means better rates and in 2012 we originated $3+ Billion. Along with the ability to lend in all 50 states, this makes us one of the largest mortgage bankers in the country. Wintrust Mortgage is a part of Wintrust Financial Corporation, a well capitalized, diverse, $17+ billion asset, financial services company. Our company offers unbeatable service and a wide variety of solutions.
Wintrust Mortgage is not like other mortgage providers. For us, it’s not just about products and price. It’s about service. Service to our customers and our community. Whether you’re buying your first home or refinancing, Wintrust Mortgage is your calm, clear and experienced guide through the mortgage process.
To discuss your financing needs, please call us or click HERE above to find the Wintrust Mortgage location nearest you.
Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank. Wintrust NMLS# 449042 – © 2013 Wintrust Mortgage
There are no cookie-cutter solutions in this business. You want to make sure your mortgage provider has the depth of experience and the depth of products to best meet your needs. Your Wintrust Mortgage Loan Officer has access to hundreds of different financial solutions, one may be the perfect one for you. Working with one of the Wintrust Community Banks, your Wintrust Mortgage Loan Officer can even develop a custom solution.
Wintrust Mortgage is a division of Barrington Bank and Trust, N.A., a Wintrust Community Bank. Wintrust Financial Corporation is a $14 billion financial services holding company located in the greater Chicago, Illinois and southern Wisconsin metropolitan areas. Wintrust has 15 chartered banks (with almost 80 locations), full wealth management services and a variety of specialized finance companies. Unlike many other regional financial institutions, Wintrust remains profitable and well capitalized. For more information on Wintrust and their financial strength, please visit www.wintrust.com/investor-relations/annual-reports-and-proxies.html.
There is a lot of noise in the market right now. The media concentrates on the things that scare us, while some advertisers yell at us to get us to go one way or another. At Wintrust Mortgage, we want you to understand what is happening in the market. The more you know, the better informed decision you can make. It’s not only our job to help craft the best solution for you, but to ensure you understand why.
Some companies claim to have the lowest rates. Others promise to have the lowest (or no) closing costs or fees. The problem with both of these is that it is all tied together. There are costs associated with documentation and closing, just as there are costs with borrowing money. More often than not, if a company claims to be the lowest in one, they’ve raised the other to make up for it. This is a game we won’t play. We don’t post rates and don’t promise to have the lowest anything. We will promise that your rates and fees will be fair, competitive in the market and that you will understand each cost and how it was determined.
In business for nearly 30 years, with more than 70 offices in Illinois, Wintrust Mortgage is committed to serving the financial needs of Chicagoland. Ours is not a “fly by night” operation that is here today and gone tomorrow. You can count on Wintrust Mortgage to always be there. It’s our stability that makes it possible for us to offer the depth of products and level of experience.
There should never be any surprises in the process, documentation or pricing, before, during or after the closing. Communication is the key. Count on your Wintrust Mortgage Loan Officer to communicate where you are in the process, how long each step will take, what’s involved and what you can expect. If you don’t understand something, we’ll explain it. If you loan will be sold after closing, you’ll know it well before. When it comes to your home, there should be no surprises.
Having access to a variety of solutions means nothing if you don’t know how to use them. The Wintrust Mortgage team is not only experienced, but well educated. Many of our loan officers have Masters and Doctoral degrees. All of them are subject to rigorous, ongoing Continuing Education requirements. You can be confident in your Wintrust Mortgage Loan Officer’s access to solutions and in her ability to pick the right one for you.
Wintrust Mortgage Loan Officers are experienced. They have seen real estate, credit and economic cycles come and go. They don’t chase trends or yell from the rooftops. They calmly, clearly and professionally review your needs and goals and suggest the finance options that make the most sense for you.