Aimee Renkes at Wintrust Mortgage NMLS #755968

Aimee Renkes at Wintrust Mortgage NMLS #755968 I've been a licensed loan originator since 2005 Personally I’ve bought a Chicago condo and suburban home, played landlord for a year and then sold that condo.

I’m passionate about providing each client and referral partner a smooth, understandable and positive mortgage experience that inspires confidence and peace of mind. I use these experiences to put myself in your shoes and deliver excellent customer service. I want to earn trust and confidence and make sure you are taken care of while seamlessly closing your loan. It’s your home and future. It’s my

profession and my passion. I have specialized experience in renovation lending closing over 40 203k and Homestyle rehab loans in my career. I also offer the full mortgage product line with as low as 3% down options, jumbo financing, FHA/VA and using mortgage insurance reduction strategies to maximize tax deductibility for clients.

In a competitive market, many buyers think the only way to win is to offer more money.That’s not always true, and it can...
01/12/2026

In a competitive market, many buyers think the only way to win is to offer more money.
That’s not always true, and it can cost you long-term.

What actually helps buyers compete:

• strong pre-approval (not just pre-qualification)
• clean, well-structured loan terms
• confidence on timelines and closing
• knowing when not to stretch your budget

Sellers don’t just choose the highest offer, they choose the most reliable one.

Mortgage calculators are a great starting point, but they don’t tell the full story.Most calculators don’t factor in:• l...
01/09/2026

Mortgage calculators are a great starting point, but they don’t tell the full story.

Most calculators don’t factor in:

• loan program differences (FHA, VA, Conventional)
• mortgage insurance
• taxes and insurance accuracy
• credit score impact
• real approval limits

That’s why two buyers with the same price can have very different payments.

Use a calculator to get a rough idea, then talk to a loan specialist to get real numbers that actually match what you can be approved for.

Many buyers think pre-qualification and pre-approval are the same.They’re not, and in a competitive market, the differen...
01/07/2026

Many buyers think pre-qualification and pre-approval are the same.
They’re not, and in a competitive market, the difference matters.

Pre-qualification is a quick estimate based on basic info.
Pre-approval involves verified documents and a deeper review.

Sellers and agents take pre-approval seriously because it shows you can actually close, not just shop.

If you’re starting your home search, make sure you’re holding the right letter.

Underwriting isn’t where you want surprises.Here are 7 common red flags to avoid before (and during) the loan process:1....
01/05/2026

Underwriting isn’t where you want surprises.

Here are 7 common red flags to avoid before (and during) the loan process:

1. opening new credit cards or loans
2. large unexplained deposits
3. changing jobs without planning
4. running up credit card balances
5. missing documents or slow responses
6. big bank account swings
7. major purchases before closing

Most of these are easy to prevent when you know what underwriters look for.

A strong offer isn’t always the highest—it’s the cleanest. A pre-approval letter, flexible closing dates, and solid earn...
01/02/2026

A strong offer isn’t always the highest—it’s the cleanest. A pre-approval letter, flexible closing dates, and solid earnest money can move your offer to the top of the stack.

Wishing everyone a year filled with growth, opportunity, and new milestones 🎉✨Here’s to fresh starts, bright goals, and ...
01/01/2026

Wishing everyone a year filled with growth, opportunity, and new milestones 🎉✨
Here’s to fresh starts, bright goals, and meaningful achievements ahead 🌟
Cheers to a successful and inspiring year for all 🏡💫

Property taxes, insurance, and fees can add hundreds to your monthly payment. Know them before signing.
12/29/2025

Property taxes, insurance, and fees can add hundreds to your monthly payment. Know them before signing.

Small, consistent extra payments can shave years off your loan. Whether you switch to bi-weekly payments or use bonuses ...
12/26/2025

Small, consistent extra payments can shave years off your loan. Whether you switch to bi-weekly payments or use bonuses and tax refunds toward principal, every little bit creates long-term savings.

Warm holiday wishes to you and your loved ones 🎄✨May this season bring comfort, joy, and beautiful moments to cherish ❤️...
12/25/2025

Warm holiday wishes to you and your loved ones 🎄✨
May this season bring comfort, joy, and beautiful moments to cherish ❤️
Wishing everyone peace, happiness, and a bright year ahead ❄️🌟

Watch out for:❗ Homes priced too low for the area❗ Strong smells, fresh paint only in certain spots❗ Sellers refusing in...
12/24/2025

Watch out for:
❗ Homes priced too low for the area
❗ Strong smells, fresh paint only in certain spots
❗ Sellers refusing inspections
These often signal hidden issues.

Wishing you all a very Merry Christmas! May the magic of the season fill your home with happiness and create lasting mem...
12/24/2025

Wishing you all a very Merry Christmas! May the magic of the season fill your home with happiness and create lasting memories. And if there's anything I can do to help with your homeownership goals in the coming year, just reach out. I'm happy to help!

You don’t always need 20 percent down. Many buyers qualify with far less. What matters more is choosing the loan that fi...
12/22/2025

You don’t always need 20 percent down. Many buyers qualify with far less. What matters more is choosing the loan that fits your goals and keeping enough savings for life’s unexpected moments.

Address

9700 W Higgins Road
Rosemont, IL
60018

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