Buy a Home with Confidence
Home Purchase Loans Made Simple
Whether you're buying your first home, your next home, or simply exploring your financing options, IncredibleMortgage gives you the tools, guidance, and local expertise to help you move forward with confidence.
Getting started is easy. Our simple online application lets you apply when it's convenient for you, with access to a mortgage expert whenever you need one.
Homebuying is easier when you have the right team behind you.
Local Mortgage Experts
Work with experienced mortgage lenders who understand your goals and your local market.
Local Underwriting
Your loan stays close to home with decisions made by experienced underwriters—not an out-of-state committee.
Personalized Guidance
Whether this is your first purchase or your fifth, we'll help you understand your options every step of the way.
Trusted Community Bank
Borrow with confidence from an FDIC-insured community bank and Equal Housing Lender committed to helping you achieve homeownership.
Know what you can afford before you find the one.
Getting preapproved can help you understand your budget, focus your home search, and show sellers you're serious when it's time to make an offer. Our mortgage lenders can help you take that first step with confidence.
What kind of homebuyer are you?
Every homebuying journey is different. Whether you're purchasing your very first home or need to move quickly, we have mortgage solutions designed to help.
First-Time Homebuyer
Buying your first home? Learn about financing options, what to expect, and how to confidently purchase your first home.
20-Day Close Guarantee
Need to close quickly? Learn how eligible borrowers can move from accepted offer to closing in as few as 20 business days.
Explore All Mortgage Options
Not sure where to start? Explore our mortgage solutions and find the right path for your homebuying goals.
Buying a home doesn't have to feel overwhelming.
From preapproval to closing day, we'll help you understand what comes next.
1
STEP ONE
Get Preapproved
Know your budget before you begin shopping for your next home.
2
STEP TWO
Find Your Home
Work with your real estate agent knowing your financing is already in motion.
3
STEP THREE
Close With Confidence
We'll guide you from accepted offer through closing day.
Need to move faster?
Eligible borrowers can take advantage of our 20-Day Close Guarantee, helping you move from accepted offer to closing with confidence. It's one more way IncredibleBank makes the mortgage process simpler, faster, and more predictable.
The people behind your home purchase.
Whether you're buying your first home, your next home, or somewhere in between, our experienced mortgage lenders are here to answer your questions, explain your options, and guide you from application to closing.
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
Phone: 906-932-8316
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
Mortgage Expertise Beyond Our Branches
No matter where you're planning to call home, IncredibleMortgage is ready to help. Our mortgage lenders serve multiple states, making it easy to receive personalized guidance and responsive service wherever your homebuying journey takes you.
Everything you need to get started.
Check Current Mortgage Rates
Explore today's rates before deciding which financing option is right for your home purchase.
Calculate Monthly Payment
Estimate your monthly payment so you can better understand what fits your budget.
Meet Your Local Lender
Talk with an experienced mortgage lender about your homebuying goals and financing options.
Frequently Asked Questions
You might find what you're looking for right here.
How much house can I afford?
How much you can afford depends on factors like your income, monthly expenses, down payment, credit history, and current interest rates. Our mortgage calculators can help you estimate a comfortable price range, and getting preapproved can give you a clearer picture of your buying power.
Should I get preapproved before I start shopping?
Getting preapproved can help you understand your budget and focus your home search on properties within your price range. It can also show sellers that you're a serious buyer when you're ready to make an offer.
How much do I need for a down payment?
Your down payment will depend on the mortgage program you choose, and some options may require less upfront than you expect. Our mortgage lenders can help you compare your options and understand how different down payment amounts may affect your loan.
What costs should I expect besides my down payment?
In addition to your down payment, you may need to plan for closing costs, inspections, an appraisal, homeowners insurance, property taxes, and other expenses associated with buying a home. Your mortgage lender can help you understand what to expect before closing.
How long does the mortgage process usually take?
The timeline can vary depending on your loan, property, and individual circumstances. Eligible borrowers may qualify for IncredibleBank's 20-Day Close Guarantee, which can help move you from an accepted offer to closing in as few as 20 business days.
How do I choose the right mortgage?
The right mortgage depends on your budget, financial goals, down payment, and how long you plan to own the home. Our mortgage lenders can help you compare your financing options and choose the solution that makes the most sense for you.
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. We look forward to helping you with your home financing journey.
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