Don Hopkins, IncredibleBank mortgage customer, standing outside with palm trees behind him

Mortgage Loans

Home mortgages made easy.
 

We Put Our Money Where Your House Is

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

No one wants to buy a home – they want to own a home. Our experienced mortgage lenders understand that a home loan is simply a means to an end. That the ultimate goal of a mortgage isn’t to get a loan, it’s to get a home. And that’s what drives them to get to know you and support you through the process. Whether you’re buying your first home, your move-up home, your vacation home, your dream home, or anything in between, our team of lenders will do everything it takes to get you there.

 

If you are facing financial hardship, contact our designated team who will work with you one-on-one through these difficult times.
888-842-0221
accountservices@incrediblebank.com

 

Get Into Your New Home in NO Time!

Whether you're a first-time homebuyer, looking to upgrade, or downsize, we can help you close in 20 days. Guaranteed.
 
 
 
Already have a loan with us and want to make a payment?

Where are you in the home buying journey?





Don Hopkins, IncredibleBank mortgage customer, sitting in a chair by his pool.

Purchasing

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


Refinancing

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






Overhead view of houses in a neighborhood with one house still being built and two empty lots

New Construction

If you’re looking to build your new home, you have a lot of decisions ahead of you – from flooring to cabinets to paint colors and more. Here’s one decision you can take off your plate: your lender. At IncredibleBank, we offer a single-close construction loan that allows you to lock in your rate up front, a one-time qualification process, and reduced closing fees. Now to pick out your appliances…

Get Started on Your Journey


Just Looking

Thinking about buying or building? That’s a great time to talk to a lender. Our home lenders will talk you through the process, learn about your goals, and get you pre-approved for a loan. A mortgage pre-approval will help you understand your budget and even more importantly, help put your offer at the top of the pile if you do find a house and make an offer.

Get Started on Your Journey



Find The Mortgage Product That Fits You

Whatever your situation, we've got a product to fit your needs.
  • Fixed Rate Mortgages offer simplicity and predictability with rates and payments that stay the same for the life of the loan.
  • Adjustable Rate Mortgages start with a lower interest rate and gets adjusted upward or downward based on economic conditions.
  • Wisconsin Housing and Economic Development Authority (WHEDA) loans help those with low to moderate incomes get affordable financing for their first home (available only to Wisconsin residents).
  • United States Department of Agriculture's (USDA) Guaranteed Rural Housing Program helps low to moderate income rural home buyers achieve ho me ownership with loans, loan guarantees, and grants.
  • Veterans Affairs (VA) Loans helps Veterans, Servicemembers, and eligible surviving spouses become homeowners.
  • Federal Housing Administration (FHA) Loans allow for lower down payments and lower minimum credit scores, making them a great option for first-time homebuyers.
  • Non-Qualified Mortgages (Non-QM) are a type of mortgage that allows you to qualify for your loan through non-traditional means.
  • Construction Loans with IncredibleBank are single close loans, meaning there's only one set of closing costs.
  • Home Equity Lines of Credit (HELOC) or Home Equity Loans allow homeowners to use the equity in their home to finance things like home renovation, vehicles, and other purchases.












Meet Our Mortgage Lenders

Our home lenders are experienced. They’re smart. They’re fun. And they’re dedicated to getting you into your home.

Michigan

Mike Mattila
Regional Manager Home Lending
Marquette
NMLS: 470147
906-273-2616
906-360-2487
mmattila@incrediblebank.com
Apply Now
John Rasinowich
Home Lending Officer
Houghton, Calumet
NMLS: 470157
906-483-2613 | 906-281-3434
jrasinowich@incrediblebank.com
Samantha Riedel
Home Lending Officer
Iron Mountain
NMLS: 470158
906-779-7518
sriedel@incrediblebank.com
Apply Now
Carmen Schipferling
Home Lending Officer
Ironwood
NMLS: 470146
906-932-8316 ext. 3106
cschipferling@incrediblebank.com
Apply Now












Wisconsin

LeAnn Hayden
Home Lending Officer
Minocqua, Eagle River
NMLS: 470138
715-358-9319
715-892-2624
lhayden@incrediblebank.com
Apply Now
Lori Josiger-Bloch
Home Lending Officer
Wausau
NMLS: 609636
715-841-8813
ljosiger-bloch@incrediblebank.com
Apply Now
Marne Renn
Regional Manager Home Lending
Tomahawk, Middleton
NMLS: 259409
715-612-3756
mrenn@incrediblebank.com
Apply Now
Angela Stephens
VP Home Lending
Wausau
NMLS: 478339
715-843-1713
astephens@incrediblebank.com
Apply Now











Florida 

Kristen Derocha
Home Lending Officer
Marquette
NMLS: 470126
906-273-2613
906-361-2040
kderocha@incrediblebank.com
Apply Now














National

Kristen Derocha
Home Lending Officer
Marquette
NMLS: 470126
906-273-2613
906-361-2040
kderocha@incrediblebank.com
Apply Now
LeAnn Hayden
Home Lending Officer
Minocqua, Eagle River
NMLS: 470138
715-358-9319
715-892-2624
lhayden@incrediblebank.com
Apply Now
Lori Josiger-Bloch
Home Lending Officer
Wausau
NMLS: 609636
715-841-8813
ljosiger-bloch@incrediblebank.com
Apply Now
Mike Mattila
Regional Manager Home Lending
Marquette
NMLS: 470147
906-273-2616
906-360-2487
mmattila@incrediblebank.com
Apply Now
John Rasinowich
Home Lending Officer
Houghton, Calumet
NMLS: 470157
906-483-2613 | 906-281-3434
jrasinowich@incrediblebank.com
Marne Renn
Regional Manager Home Lending
Tomahawk, Middleton
NMLS: 259409
715-612-3756
mrenn@incrediblebank.com
Apply Now
Samantha Riedel
Home Lending Officer
Iron Mountain
NMLS: 470158
906-779-7518
sriedel@incrediblebank.com
Apply Now
Carmen Schipferling
Home Lending Officer
Ironwood
NMLS: 470146
906-932-8316 ext. 3106
cschipferling@incrediblebank.com
Apply Now
Angela Stephens
VP Home Lending
Wausau
NMLS: 478339
715-843-1713
astephens@incrediblebank.com
Apply Now

























































Resources for Home Buying

Buying a Home With Low Income in 2021

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.
 

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 House 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.