20-Day Close Guarantee
Whether your buying a new home or refinancing your current home, we can get your loan done fast! Learn more about the IncredibleBank 20-day close guarantee.
Maybe you’re a first-time homebuyer with a lease expiring and an accepted offer. Or perhaps you’ve finally outgrown your first home and need more space for your growing family. Or your kids have moved out and you’re recognizing that less space might mean more living (and less cleaning). The point is – you’re ready to move fast. And we can help with that.
Close in 20 days.
Now that’s Incredible.
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Where are you in the homebuying journey?
Tips & Tricks for Homebuying
Renting vs. Buying a Home
Which is better? The short answer is like that passive-aggressive relationship status on Facebook - it's complicated.
Preparing to Buy a Home on a Budget
If you’re thinking about buying a home on a budget, here are some steps to make sure you’re as prepared as you can be when the time comes to apply for your loan.
Buying a Home With Low Income
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Don't let your dream of home-ownership stay a dream. There are programs available for first-time home buyers, no and low down-payments, and more.
Mortgage Loan Calculator
Use this mortgage calculator to determine your monthly payment and generate an estimated amortization schedule. Quickly see how much interest you could pay and your estimated principal balances. Enter prepayment amounts to calculate their impact on your mortgage.
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Whether you're moving into your first home, upgrading, or downsizing, we're here to help
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First Time Homebuyer
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Upgrading
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Downsizing
Here's What Our Customers Have To Say
Average Rating: 4.8 stars (over 250 reviews)
"I picked Incredible Bank initially at the recommendation of my realtor, as they handle mortgages on a local level. John Rasinowich is the best mortgage banker. Really has helped me navigate the changing real estate market. I am expanding my business with Incredible Bank with the guidance of my personal banker, Angela Olsen! She is outgoing and friendly, but very knowledgeable and professional. Definitely a five star employee. They even have great organic coffee for their customers!"
S. Birkey - IncredibleBank Mortgage Customer
"First time I have gone with a local bank to make a home purchase and mortgage. From the very beginning of the process things were very easy to understand and our representative laid it out with no surprises along the way. Couldn’t have asked for better customer service, knowledge, and experience. When it comes to banking it’s a no brainer for me, Incredible!"
Dave H. - IncredibleBank Mortgage Customer
"IncredibleBank is truly “incredible.” The bank is not an organization, institution, corporation, etc., to us, its customers/clients. Instead, it feels like our neighbor who gives a helping hand when needed. In particular, Angela Stephens, as Director of Home Lending, gives exceptional service which is “next door neighbor” centered. Professional, resourceful, expert, helpful, caring. She and IC give witness to those attributes. Thank you Angela, and thank you IC."
Attila W. - IncredibleBank Mortgage Customer
"Carmen was amazing! Our mortgage experience with IncredibleBank was 'incredibly' easy!"
Karen M. - IncredibleBank Mortgage Customer
Disclosures, including eligibility
*20-day Close Guarantee. $500 will be credited to settlement costs at closing if IncredibleBank fails to meet the 20-day close guarantee, as defined in and subject to the following terms and conditions.
Refinance Transactions. The 20-day close guarantee is defined as closing the mortgage loan within 20 business days after receipt of a completed mortgage loan application and required supporting documentation. An application is considered completed the date the borrower receives written or email notification from IncredibleBank that their application is complete.
Purchase Transactions. As closing dates are dictated by the purchase contract, the 20-day close guarantee is defined as receiving final underwriting approval within 20 business days after receipt of a completed mortgage loan application and required supporting documentation, including the fully executed purchase contract. An application is considered completed the date the borrower receives written or email notification from IncredibleBank that their application is complete. To be eligible for the guarantee, the completed mortgage loan application (as defined above) must be received a minimum of 20 business days prior to the closing date listed on the original, fully executed purchase contract. Borrower will receive written or email notification from IncredibleBank of final underwriting approval.
Conditions for All Transactions:
- Business days do not include Saturdays, Sundays or Federal Holidays
- First lien mortgages only
- Single family primary or secondary homes only
- Must be conventional mortgage loan underwritten by IncredibleBank (exclusions below)
- Any rush fees assessed by a title company or appraisal company will be borrower responsibility
- Offer only available for financing of homes located in Wisconsin and Michigan
- Loan closing subject to underwriting approval
- Standard credit, collateral and underwriting guidelines apply
- All loans subject to final credit approval
Exclusions for All Transactions:
- VA, USDA, FHA and WHEDA loans
- Construction Loans
- Home Equity Lines of Credit and Home Equity Loans
- Loans solely eligible for Reliant One’s non-qualified mortgage loan program
- Jumbo Loans (loan amounts that exceed $647,200)
- Investment Properties
- IncredibleBank employees are not eligible to participate in this offer
Ineligibility.
20-day Close Guarantee is voided/not applicable if:
- Borrower changes loan product or terms
- Borrower fails to meet purchase contract requirements
- Seller fails to meet purchase contract requirements
- Final approval is delayed due to a service provided by a third-party vendor, including appraisal and inspection
- Borrower fails to provide requested documentation required for approval within 3 business days of lender request
- Closing is delayed due to inclement weather, natural disaster or other federal emergency
- Borrowers’ circumstances change, impacting eligibility
- Borrower fails to provide insurance policy documentation in timeframe requested by Bank
- Loan application or documentation contains fraudulent information
IncredibleBank reserves the right to amend, terminate or withdraw this offer at any time without prior notice.
