INCREDIBLEMORTGAGE

Guidance for one of life's biggest decisions.

Whether you're buying your first home, building your dream home, or refinancing your current mortgage, we're here to help every step of the way.

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FIND YOUR PATH HOME

Where are you in your
homeownership journey?

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Purchase

Find the right financing for your next home, whether you're a first-time buyer or ready for your next move.

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Build

Construction and home improvement financing designed to help bring your vision to life.

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Refinance

Explore opportunities to lower your payment, adjust your loan term, or access equity.

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20-Day Close

Move from application to closing faster with a streamlined mortgage process.

Why IncredibleBank

The right mortgage starts with the right team.

At IncredibleMortgage, a mortgage is more than a loan—it's a major life decision. We combine personalized guidance, local expertise, and responsive service to help you move forward with confidence.

People First
We take the time to understand your goals, answer your questions, and help you find the mortgage solution that's right for you.

Fast When It Matters
Whether you're getting preapproved, making an offer, or preparing to close, we work hard to keep the process moving and communicate every step of the way.

Guidance You Can Trust
Buying a home is just the beginning. We're here to support you through every stage of homeownership—from your first mortgage to future refinances and beyond.

Why choose IncredibleBank for your mortgage
EXPLORE MORTGAGE OPTIONS

Find the right path for what comes next.

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Plan With Confidence

Run the numbers before you decide.

Mortgage
Calculate a Mortgage Payment
Estimate your monthly mortgage payment based on your loan amount, interest rate, and loan term. Adjust the numbers to see how different scenarios could affect your payment.
Mortgage
Home Affordability
Estimate how much home you may be able to afford based on your income, monthly debts, down payment, and other financial factors.
Mortgage
Time to Refinance?
Explore whether refinancing your mortgage could lower your monthly payment, reduce your interest costs, or help you reach your financial goals.
Home Equity
Calculate a Home Equity Loan Payment
Estimate your monthly home equity loan payment based on the amount you borrow, interest rate, and loan term.
Mortgage
Down Payment Calculator
See how different down payment amounts could affect the amount you need to borrow and your monthly mortgage payment.
Mortgage
Rent or Buy?
Compare the costs of renting and buying a home to see how each option could affect your finances over time.
WHAT TO EXPECT

From preapproval to next steps, we'll help you move forward.

What to expect from the mortgage process, step 1
1
Create or log in to your secure account

Start a new mortgage application or continue an existing one through our secure mortgage portal.

What to expect from the mortgage process, step 2
2
Complete your application

Provide information about your income, employment, finances, and the property you're buying, building, or refinancing.

What to expect from the mortgage process, step 3
3
Review next steps with your lender

Your lender will review your application, answer questions, and let you know what information or documents may be needed.

YOUR MORTGAGE LENDERS

Every mortgage starts with a conversation.

Whether you're buying, building, refinancing, or simply exploring your options, our lenders are here to help.

Select a location
National
Florida
Michigan
Wisconsin
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Angela Stephens
VP Home Lending
Wausau, WI
NLMS #: 
478339
T: 
715-297-2158
E: 
astephens@incrediblebank.com
Wisconsin
Marne Renn
Home Lending Officer
Wisconsin’s Northwoods
NLMS #: 
259409
E: 
mrenn@incrediblebank.com
Wisconsin
Mike Mattila
Home Lending Officer
Marquette, MI
NLMS #: 
470147
T: 
906-360-2487
E: 
mmattila@incrediblebank.com
Michigan
John Rasinowich
Home Lending Officer
Houghton, MI
NLMS #: 
470157
T: 
906-281-3434
E: 
jrasinowich@incrediblebank.com
Michigan
Samantha Riedel
Home Lending Officer
Iron Mountain, MI
NLMS #: 
470158
T: 
906-282-9314
E: 
sriedel@incrediblebank.com
Michigan
Carmen Schipferling
Home Lending Specialist
Ironwood, MI
NLMS #: 
470146
E: 
cschipferling@incrediblebank.com
Michigan
Lori Josiger-Bloch
Home Lending Officer
Wausau, WI
NLMS #: 
609636
E: 
ljosiger-bloch@incrediblebank.com
Wisconsin
Tyler Lang
Home Lending Officer
Wausau, WI
NLMS #: 
1889867
T: 
715-581-8223
E: 
tlang@incrediblebank.com
Wisconsin
Kristen Derocha
Home Loan Officer
Cape Coral, FL
NLMS #: 
470126
T: 
906-361-2040
E: 
kderocha@incrediblebank.com
Florida
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What our IncredibleClients
are saying

Byron C., IncredibleBank customer in Wausau, WI

"IncredibleBank did an incredible job helping us with the purchase of our home. From the very first contact, they were very friendly; we practically didn't have to do anything other than submit the necessary documents, and then they handled the entire process. Working with Lori was a great experience—she is incredible!"

Byron C.
Wausau, WI
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Common Questions

Frequently Asked Questions

You might find what you’re looking for right here.

Getting preapproved is a great first step in the homebuying process. You can start online or connect with a mortgage lender who will help you understand your financing options, review your information, and determine a comfortable homebuying budget.

Most mortgage applications require basic personal information, employment and income details, financial account information, and information about the property you're purchasing, building, or refinancing. Your lender will guide you through any additional requirements.

Every mortgage is unique, so timelines can vary. Factors like the loan type, property, and documentation requirements all play a role. From application to closing, your mortgage expert will keep you informed, answer questions, and help guide you through the process with confidence.

Many buyers choose to get preapproved before beginning their home search. Preapproval can help you understand your budget, strengthen your offer, and provide greater confidence as you shop for a home.

We offer mortgage solutions for home purchases, construction projects, refinancing, home improvements, second homes, investment properties, home equity loans, and HELOCs. Our lenders can help you determine which option best fits your goals.

The right mortgage depends on your goals, budget, timeline, and financial situation. Our mortgage lenders take the time to understand your needs, explain available options, and help you make an informed decision.

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.