Home Improvement Loans
Flexible financing for the projects that make your home work better for you.
Turn your ideas into your next home improvement project.
Whether you're remodeling a kitchen, replacing a roof, or tackling a larger renovation, the right financing can help you invest in your home without putting your plans on hold.
LOVE WHERE YOU LIVE
Invest in the home you already love.
A home improvement loan can help you tackle renovations that make your home more comfortable, functional, and valuable. Whether you're updating one room or transforming your entire home, we'll help you choose financing that fits your project.
Everything you need to renovate with confidence.
Local Lending Decisions
Your loan is reviewed by experienced lenders who understand your goals—not an out-of-state committee.
Flexible Financing
Finance projects large or small with loan options designed around your budget and timeline.
Local Guidance
We'll help you choose the financing solution that makes the most sense for your renovation.
FDIC-Insured. Equal Housing Lender.
Borrow with confidence from a trusted community bank committed to helping homeowners succeed.
GETTING STARTED IS STRAIGHTFORWARD
From project plans to completed renovations—here's what to expect.
1
STEP ONE
Tell Us About Your Project
Share your renovation goals, estimated costs, and timeline so we can recommend the right financing solution.
2
STEP TWO
Choose the Right Loan
We'll help you compare financing options and complete your application.
3
STEP THREE
Start Improving
Once your loan closes, you can begin bringing your renovation plans to life.
WHAT YOU'LL NEED
Gather these items before you begin.
Having a few key documents ready can help make your mortgage application smoother and keep your homebuying journey moving forward.
- Project Information A description of your renovation, estimated costs, and contractor information if available.
- Financial Information Income documentation, bank statements, and information about your available assets.
- Identification & Credit Government-issued ID and authorization to review your credit history.
FIND YOUR WAY
Plan your next home project.
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 budget for your renovation with confidence.
Meet Your Local Lender
Talk with an experienced mortgage lender about your project and financing options.
The people behind your home improvement loan.
Whether you're planning a small upgrade or a major renovation, you'll work with a dedicated mortgage lender who can help you choose the right financing and guide you through every step of the 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 ext. 3106
Phone: 906-932-8316 ext. 3106
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
MORE WAYS TO FUND YOUR PROJECT
Invest in Your Nest
Every home improvement project is different. Whether you're ready to renovate now or planning for the future, explore additional ways IncredibleBank can help you make the most of your home.
Build Something New
Planning something bigger than a renovation? Explore construction financing designed to help you build your next home from the ground up.
Refinance Your Mortgage
Depending on your goals, refinancing your mortgage may help you access equity while potentially adjusting your monthly payment.
Save for Future Projects
Not planning to renovate just yet? Grow your savings today so you're ready when your next home project comes along.
Frequently Asked Questions
You might find what you’re looking for right here.
What types of home improvements can I finance?
Home improvement loans may be used for projects such as kitchen and bathroom remodels, roofing, siding, windows, additions, flooring, HVAC systems, and more. Talk with a mortgage lender about your specific project.
Can I finance repairs as well as renovations?
Yes. Home improvement financing can often be used for both necessary repairs and planned upgrades that improve your home's value or functionality.
Do I need contractor estimates before I apply?
Not always, but having estimates can help us better understand your project and determine the financing that best fits your needs.
Can I do the work myself?
Some projects may qualify for financing if you plan to complete the work yourself, while others may require licensed contractors. We'll discuss your project during the application process.
How much can I borrow?
Loan amounts depend on several factors, including your credit, income, available equity (if applicable), and the scope of your project.
How do I know if a home improvement loan is right for me?
Our mortgage lenders can help you compare your options and determine whether a home improvement loan, refinance, or another financing solution is the best fit for 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.
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