CONSTRUCTION LOANS

Build the home you've been dreaming about.

Whether you're building your forever home or starting fresh on a new piece of land, our construction loan experts can help you finance each stage of the journey with confidence.

Home construction and renovation loans
Why IncredibleBank

Everything you need to build with confidence.

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Local Lending Decisions

Your construction loan is reviewed by experienced lenders who understand your market and your project.

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Flexible Financing

From groundbreaking to move-in day, we'll help you choose financing that fits your build and your timeline.

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Local Guidance

Construction loans are different from traditional mortgages. We'll guide you through every phase so you always know what comes next.

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FDIC-Insured. Equal Housing Lender.

Build with confidence knowing you're working with a trusted community bank committed to your success.

FROM VISION TO FOUNDATION

Every great home starts with a solid plan.

Building a home is different than buying one. From construction timelines to builder coordination and draw schedules, our mortgage team will help you understand the financing process before construction begins.

The IncredibleBank Foundation's vision for local communities
find your way

Start planning your new home.

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Check Current Mortgage Rates

Explore today's rates as you begin planning your construction project.

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Calculate Your Monthly Payment

Estimate your monthly payment and understand how your financing fits your budget.

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Meet Your Local Lender

Talk with an experienced mortgage lender about your building plans and financing options.

GETTING STARTED IS STRAIGHTFORWARD

From blueprints to move-in day—here's what to expect.

Building a home starts with the right financing partner. We'll help you understand your options, navigate each phase of construction, and move confidently from groundbreaking to move-in day.

Construction loan process, step 1
1
Share Your Building Plans

Tell us about your project, builder, timeline, and financing goals so we can recommend the right construction loan.

Construction loan process, step 2
2
Secure Your Financing

We'll review your plans, help finalize your loan, and prepare everything needed before construction begins.

Construction loan process, step 2
3
Build Your Home

As construction progresses, we'll work with you throughout the process until it's time to move into your new home.

WHAT YOU'LL NEED

Gather these items before you begin.

Preparing a few important documents ahead of time can help keep your construction loan process moving smoothly.

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YOUR MORTGAGE LENDERS

The people behind your construction loan.

Building a home is a major investment. Our experienced mortgage lenders will help coordinate the financing process from your first conversation through your final draw and closing.

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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EXPLORE MORE OPTIONS

Products That Work Better Together

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Home Improvement

Already own a home? A home improvement loan may be the better fit for renovation projects.

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Calculate Your Monthly Payment

Estimate your monthly payment and understand how your financing fits your budget.

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Refinance

After your home is complete, refinancing may help you adjust your mortgage as your needs change.

Common Questions

Frequently Asked Questions

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

Home improvement loans may be used for projects such as kitchen and bathroom remodels, roofing, siding, windows, additions, flooring, HVAC systems, and more. Talk with a mortgage lender about your specific project.

Yes. Home improvement financing can often be used for both necessary repairs and planned upgrades that improve your home's value or functionality.

Not always, but having estimates can help us better understand your project and determine the financing that best fits your needs.

Some projects may qualify for financing if you plan to complete the work yourself, while others may require licensed contractors. We'll discuss your project during the application process.

Loan amounts depend on several factors, including your credit, income, available equity (if applicable), and the scope of your project.

Our mortgage lenders can help you compare your options and determine whether a home improvement loan, refinance, or another financing solution is the best fit for your goals.

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.