Build Your Home with Confidence
Construction and Home Improvement Loans Made Simple
Whether you're building a new home, renovating the one you already love, or simply exploring your financing options, IncredibleMortgage gives you the tools, guidance, and local expertise to help move your project forward.
Getting started is easy. Our mortgage lenders can help you understand your options, estimate what you may need, and choose a financing path that fits your project.
Your home project is easier with the right team behind you.
Local Mortgage Experts
Work with experienced mortgage lenders who understand your goals, your project, and your local market.
Local Underwriting Decisions
Your loan stays close to home with decisions made by experienced underwriters—not an out-of-state committee.
In-House Loan Servicing
We keep your loan. You always know who to call—before and after closing.
Project-Based Guidance
From new construction to home improvements, we'll help you understand your financing options every step of the way.
FDIC-Insured. Equal Housing Lender.
Borrow with confidence from a trusted community bank committed to helping you invest in your home.
Start with a plan. Build from there.
Whether you're building from the ground up or improving the home you're already in, the right financing can help bring your plans to life. Our mortgage lenders can help you understand your options, estimate what you may need, and choose a path that fits your project.
What kind of project are you planning?
Building and improving a home require different financing approaches. Explore the path that best fits what you're planning.
Construction Loans
Building a new home? Learn how construction financing can help fund your project from planning to move-in day.
Home Improvement Loans
Renovating your current home? Explore financing options designed to help you update, repair, or improve your space.
Explore All Mortgage Options
Not sure which path fits your plans? Explore all of our mortgage solutions to find the financing option that works for you.
Your project doesn't have to feel overwhelming.
From your first conversation through financing, we'll help you understand what comes next.
1
STEP ONE
Share Your Project Goals
Tell us whether you're building, renovating, or still exploring your options.
2
STEP TWO
Compare Financing Options
We'll help you understand which loan option best fits your project, budget, and timeline.
3
STEP THREE
Move Your Project Forward
Once your financing is in place, you can take the next step toward building or improving your home.
Need to move faster?
Eligible borrowers can take advantage of our 20-Day Close Guarantee, helping you move from accepted offer to closing with confidence. It's one more way IncredibleBank makes the mortgage process simpler, faster, and more predictable.
The people behind your project financing.
Whether you're building a new home or improving the one you already love, our experienced mortgage lenders are here to answer your questions, explain your options, and help you navigate every step of the financing process.
Michigan
Mike Mattila
Home Lending Officer
Marquette
Marquette
John Rasinowich
Home Lending Officer
Houghton, Calumet
Houghton, Calumet
Samantha Riedel
Home Lending Officer
Iron Mountain
Iron Mountain
NMLS: 470158
Phone: 906-779-7518
Phone: 906-779-7518
Carmen Schipferling
Home Lending Specialist
Ironwood
Ironwood
NMLS: 470146
Phone: 906-932-8316
Phone: 906-932-8316
Wisconsin
Lori Josiger-Bloch
Home Lending Officer
Wausau, Weston, Merrill
Wausau, Weston, Merrill
NMLS: 609636
Phone: 715-841-8813
Phone: 715-841-8813
Tyler Lang
Home Lending Officer
Wausau, Rothschild
Wausau, Rothschild
NMLS: 1889867
Phone: 715-298-9943
Phone: 715-298-9943
Marne Renn
Home Lending Officer
Tomahawk, Eagle River, Minocqua
Tomahawk, Eagle River, Minocqua
NMLS: 259409
Phone: 715-612-3756
Phone: 715-612-3756
Florida
Kristen Derocha
Home Lending Officer
Cape Coral
Cape Coral
Project Financing Beyond Our Branches
You don't need to live near an IncredibleBank branch to finance your home project with IncredibleMortgage. Our mortgage lenders are licensed in multiple states and provide personalized guidance wherever you're planning to build or improve.
Everything you need to get started.
Check Current Mortgage Rates
Explore today's rates before deciding which financing option is right for your project.
Calculate Monthly Payment
Estimate your monthly payment so you can better understand how your project fits your budget.
Meet Your Local Lender
Talk with an experienced mortgage lender about your building or renovation goals.
Frequently Asked Questions
You might find what you're looking for right here.
Should I choose a construction loan or a home improvement loan?
If you're building a new home from the ground up, a construction loan may be the better fit. If you're renovating, repairing, or improving a home you already own, a home improvement loan may make more sense. A mortgage lender can help you compare your options.
What information should I have before applying?
It helps to have a general idea of your project scope, estimated costs, timeline, and contractor or builder information if available. Your lender can help you understand what documentation may be needed.
Can I finance both land and construction?
Depending on your project and loan structure, construction financing may be able to include land and building costs. Your mortgage lender can review your situation and explain the available options.
Can I use home improvement financing for repairs?
Yes. Home improvement financing may be used for both planned upgrades and necessary repairs, depending on the project and loan type.
How do I know how much I can borrow?
How much you can borrow depends on factors like your income, credit history, available equity if applicable, project costs, and the loan program you choose. Your lender can help you understand what may fit your budget.
How do I get started?
You can start by applying online or talking with a mortgage lender about your project. We'll help you understand your options and choose the financing path that fits your goals.
Ready to experience Incredible?
IncredibleBank grew from entrepreneurial roots into a nationally recognized bank—but one thing hasn't changed: our commitment to being Incredible for our customers, communities, and team members. We look forward to helping you with your home financing journey.
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