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
mortgagereliefIB@incrediblebank.com

Where are you in the home buying journey?



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



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

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

Kristen Derocha
Senior Home Lender
Marquette
NMLS: 470126
906-273-2613
906-361-2040
kderocha@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
Senior Home Lender
Houghton, Calumet
NMLS: 470157
906-483-2613
906-281-3434
jrasinowich@incrediblebank.com
Samantha Riedel
Home Lender
Iron Mountain
NMLS: 470158
906-779-7518
sriedel@incrediblebank.com
Apply Now

Wisconsin

Matthew Anderson
Home Lender
Wausau, Merrill
NMLS: 1209484
715-348-1451
manderson@incrediblebank.com

LeAnn Hayden
Senior Home Lender
Minocqua, Eagle River
NMLS: 470138
715-358-9319
715-892-2624
lhayden@incrediblebank.com
Apply Now
Lori Josiger-Bloch
Home Lender
Wausau
NMLS: 609636
715-841-8813
ljosiger-bloch@incrediblebank.com
Apply Now
Heidi Reiter Kramsvogel
Home Lender
Eagle River
NMLS: 1187439
888-842-0221
hreiterkramsvogel@incrediblebank.com
Apply Now
Marne Renn
Regional Manager Home Lending
Tomahawk, Merrill, Middleton
NMLS: 259409
715-612-3756
mrenn@incrediblebank.com
Apply Now
Carmen Schipferling
Home Lender
Weston
NMLS: 470146
715-841-8115
cschipferling@incrediblebank.com
Apply Now
Angela Stephens
Director Home Lending
Wausau
NMLS: 478339
715-843-1713
astephens@incrediblebank.com
Apply Now

National

Carmen Schipferling
Home Lender
National
NMLS: 470146
715-841-8115
cschipferling@incrediblebank.com
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


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.


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. 


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.