happy couple outside of their home

Mortgage Loans

Home mortgages made easy.

We Put Our Money Where Your House Is

If you want it, we’ll help you get it.

The mortgage process is, well, a process. Buyers, sellers, realtors, bankers, title companies, inspectors, and unfortunately, a fair share of pretenders. You don’t want your new house to be a house of cards; in fact, you want just the opposite, a place where you can play some Canasta, Bridge, Cribbage, Euchre and Pinochle with family and friends. At IncredibleBank, we make the process easy because our mortgage lenders are incredibly experienced and they take the time to understand your long-term goals. Whether you’re a first-time buyer, retiree or investor, it’s important to know which type of mortgage will be right for you. As we’re fond of saying, we’re here to help you start something incredible, and finish it; that’s what our mortgage lenders will do. 


If you are facing financial hardship, contact our designated team who will work with you one-on-one through these difficult times.

Up to $300 Off Closing Costs

IncredibleBank’s home lending team is committed to making your home loan experience as easy as possible. Save up to $300 off closing cost when you package your mortgage with a checking account and homeowners insurance.  Both can be easily applied for online, or talk to your mortgage lender for more information.

Here’s how it works:

  • Checking Account = $100 off Closing Costs

  • Homeowners Insurance = $100 off Closing Costs

  • Checking Account & Homeowners Insurance = $300 off Closing Costs!!


Where are you in the home buying journey?


Buying a house is a big commitment, and you deserve a partner that's going to be by your side every step of the way.  Whether you’re purchasing your first home or “stepping up” to something bigger and better, our experienced home lenders will help you find the right loan option to meet your incredible. 

Get Started on Your Journey


Planning some home improvements or looking for a lower rate? Maybe you’d like to pay off your loan sooner or access the equity you’ve built up for another purpose. Refinancing your existing mortgage may be the best option. Speak with our experienced home lenders for information on how we can help you meet your needs.

Get Started on Your Journey

woman watering her outdoor garden

New Construction

Ready to build “Your Incredible”? We’d love to be your partner throughout the journey!  Building a house can be stressful, so the last thing you should be worried about is where your financing is coming from.  Our single-close construction loan allows you to lock in your rate upfront, a one-time qualification process, and reduced closing fees.  Contact a home lender for more information.

Get Started on Your Journey

bank employee helping a customer

Just Looking

When you’re making a big decision in life, it’s usually best to iron out the details ahead of time. Our home lenders can help you navigate the loan process and discuss your long term goals with you ahead of time. If you’re looking to buy a house, you want to get pre-approved before you start the search. Pre-approval shows how much you are able to borrow and what loan options are the best fit. Contact a home lender for more information on getting pre-approved early.

Get Started on Your Journey


Meet Our Mortgage Lenders

At IncredibleBank, our sole mission is to provide you with an Incredible Customer Experience.  That means, when you apply for a mortgage with us, you can rest assured that you will be receiving industry-leading expertise, backed by years of home lending experience.  Our team is here to make the mortgage process simple and easy for our customers...
...and maybe have a little fun along the way!   


Kristen Derocha
Senior Home Lender
NMLS: 470126
Apply Now
Mike Mattila
Regional Manager Home Lending
NMLS: 470147
Apply Now
John Rasinowich
Senior Home Lender
Houghton, Calumet
NMLS: 470157
Samantha Riedel
Home Lender
Iron Mountain
NMLS: 470158
Apply Now


Cassi Behnke
Home Lender
NMLS: 1719240
Apply Now
LeAnn Hayden
Senior Home Lender
NMLS: 470138
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Lori Josiger
Home Lender
NMLS: 609636
Apply Now
Marne Renn
Senior Home Lender
Tomahawk, Merrill, Middleton
NMLS: 259409
Apply Now
Carmen Schipferling
Home Lender
NMLS: 470146
Apply Now
Angela Stephens
Director Home Lending
NMLS: 478339
Apply Now
Carmen Strasburg
Home Lender
Eagle River
NMLS: 1628684
Apply Now


Carmen Schipferling
Home Lender
NMLS: 470146
Apply Now

Find The Mortgage Product That Fits Your Journey 

Traditional fixed-rate mortgages offer simplicity and predictability with rates and payments staying the same for the life of the loan.
You will start with a low interest rate, which gets adjusted upward or downward based on economic conditions.
The Wisconsin Housing and Economic Development Authority (WHEDA) helps those with moderate to low income get affordable financing for their first home. (Available only to Wisconsin residents.)
The United States Department of Agriculture's (USDA) Guaranteed Rural Housing Program helps low-income and moderate-income rural home buyers achieve home ownership with loans, loan guarantees and grants. 
Our single close construction loan provides the ease of one closing, and one set of closing costs. It also provides peace of mind with the ability to lock in an interest rate before construction begins!
A home equity line of credit (HELOC) and a home equity loan (HELOAN) use a borrower's equity in their home as collateral. These loans are typically used for home improvement projects. Once a maximum loan balance is established, the homeowner may draw on the line of credit, or take the lump sum of the term loan to use at his or her discretion.

More Banking Options For You

Woman looking at her business checking account on her smart phone

Checking Accounts

We know that every bank has checking accounts, but not every bank has an incredible checking account. Free checks, no minimum balances, earn interest, check, check, check.

IncredibleBank visa business credit card

Credit Cards

Whether you want to get cash back, earn rewards, consolidate debt or build your credit, we have the credit card to get you to your incredible. 

using mobile wallet technology to pay for purchases

Mobile App

Stay in control of your finances from the palm of your hand. Pay bills anytime, deposit checks, check balances, view transactions, and transfer funds with our IncredibleBank mobile app.