IncredibleMortgage.com

Your new BLFL (Best Lender For Life).
 

 

You have mortgage questions. We have answers – and solutions.

Buying a home is a big commitment. You deserve a partner who's going to make the home loan process EASY and just the way you want it.

So, from today on, consider us your BLFL! Whether you are ready to fly solo, need guidance throughout the process, or simply have a few questions along the way, IncredibleMortgage.com is here for whatever you need.

Let’s find the right loan to meet your incredible!

 

What does it mean to have us as your BLFL while applying for your mortgage online?



You have the ability to do it all on your own - just holler if you need us!



You have the option of working with a lender to walk you through every step of the process.



We'll provide you with the resources you need to confidently purchase your next home!

 

So, how can we help you?

‘Close On Your Home In 20 Days’ program

Whether you’re a first-time homebuyer, looking to upgrade, or downsizing, we can help you close in 20 days. Guaranteed.

Get Started!

Do you have questions about the homebuying process?

Here are a few common questions:

  • How do I know how much I can afford to pay for a house?
  • What type of mortgage loan will be best for me?
  • What do I need to do to get preapproved?

If you have any questions about home financing, we are here for you!

Ask Your BLFL! 

Our website includes information about the homebuying journey (keep scrolling for more info!). Additionally, our blog addresses home mortgages, constructions loans, and more. 

Check It Out 

Already have a loan with us and want to make a payment?

Make a Payment


 
 

Where are you in the home buying journey?



Man using a screwdriver to fix a door

Home Improvement

If you are looking for a simpler way to tap into your home equity, or you want to keep your low rate in lieu of refinancing, a home improvement loan may be a great option. Here at IncredibleBank, we offer both a fixed rate and variable rate loan option with low fees and less paperwork. Choose the journey that makes sense for you by starting with an online application or contacting one of our home lenders!

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? Check out our online mortgage resources in our blog, or consider talking to a lender. Getting serious? 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.

If already know what you need and are ready to move forward, you can start the process instantly by applying for pre-approval!

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 – Your new BLFL!

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

Michigan

Mike Mattila
Home Lending Officer
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 Specialist
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
Home Lending Officer
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
Cape Coral
NMLS: 470126
239-666-3123
906-361-2040
kderocha@incrediblebank.com
Apply Now
Gus Vargo
Home Lending Officer
Cape Coral
NMLS: 169372
239-666-3124 ext. 5424
239-406-9330
gvargo@incrediblebank.com
Apply Now













National

Kristen Derocha
Home Lending Officer
Cape Coral
NMLS: 470126
239-666-3123
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
Home Lending Officer
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
Home Lending Officer
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 Specialist
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
Gus Vargo
Home Lending Officer
Cape Coral
NMLS: 169372
239-666-3124 ext. 5424
239-406-9330
gvargo@incrediblebank.com
Apply Now

























































Resources for Home Buying

How to Use Your Tax Refund to Help Buy a Home

For many, the thought of buying a home is daunting. From down payments to debt-to-income ratios, the financial hurdles can feel insurmountable. But as tax season is upon us, it’s a good time to consider how your tax refund can help you buy your home.
 

Renting vs. Buying a Home

Which is better? The short answer is like that passive-aggressive relationship status on Facebook – it’s complicated.
 

What to Expect from the Mortgage Process

Let’s break the mortgage process down into eight essential steps to ensure you sail through smoothly.