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Close on your home in as few as 20 business days.*
When timing matters, experience matters. Whether you're buying or refinancing, IncredibleBank's 20-Day Close Guarantee helps you move with confidence—backed by local underwriting, responsive lenders, and a process built for speed.
Everything you need to move faster.
From application to closing, you'll work with experienced mortgage professionals focused on keeping your loan moving.
Your loan is reviewed by experienced underwriters who understand your market—not an out-of-state committee.
You'll always know where your loan stands. We keep you informed throughout the process so there are no surprises.
Move forward with confidence knowing you're working with a trusted community bank committed to your success.
Speed isn't a promise we make lightly.
When you're trying to beat another offer, coordinate a move, or lock in your financing before rates change, every day matters.
Our 20-Day Close Guarantee is backed by experienced local lenders, in-house underwriting, and a mortgage team focused on keeping your loan moving—not waiting in someone else's queue.
See eligibility requirements below.
Where Are You in Your Homebuying Journey?
See today's mortgage rates and compare your financing options before you apply.
Estimate your monthly payment to better understand what fits your budget.
Talk with an experienced mortgage lender who can answer your questions and help you move forward.
From application to closing—here's what to expect.
A faster closing starts with the right team. We'll help you gather the necessary information, navigate the process, and move confidently toward closing day.
Complete your mortgage application and upload the required documents.
Your lender and underwriting team work together to keep your loan progressing without unnecessary delays.
If your loan qualifies, we'll work toward meeting our 20-business-day guarantee and keep you informed every step of the way.
The people behind your loan.
Buying a home can move quickly. Our mortgage experts are here to help you stay on track, understand your options, and reach the closing table with confidence.
The IncredibleBank Mortgage Blog.
OK, so faster is better…you get it. Just how quickly can IncredibleMortgage actually let you know if you're pre-approved?
If you or your co-borrower have conflicting schedules, being physically present together at closing may be a challenge. With IncredibleMortgage that's no problem at all!
Let’s break the mortgage process down into eight essential steps to ensure you sail through smoothly.
More Home Financing Solutions
Frequently Asked Questions
You might find what you’re looking for right here.
Our 20-Day Close Guarantee is a commitment to help eligible borrowers close on their home in as few as 20 business days. Your mortgage lender will review the program requirements and determine whether your loan qualifies.
The guarantee is available on eligible mortgage loan programs that meet all program requirements. Your mortgage lender can explain which loan options qualify and help determine your eligibility.
Delays outside of IncredibleBank's control—such as incomplete documentation, appraisal issues, title concerns, seller delays, or changes to your loan application—may affect your closing timeline. Your lender will work with you to help keep the process moving.
Some refinance transactions may qualify for the 20-Day Close Guarantee. Your mortgage lender can review your loan scenario and explain the available options.
Even if your loan isn't eligible for the guarantee, our experienced mortgage team will work to move your application through the process as efficiently as possible and keep you informed every step of the way.
The complete eligibility requirements, exclusions, and program disclosures are available at the bottom of this page. Your mortgage lender can also answer questions about the guarantee before you apply.
*20-Day Close Guarantee. $500 will be credited to settlement costs at closing if IncredibleBank fails to meet the 20-Day Close Guarantee, as defined in and subject to the following terms and conditions.
Refinance Transactions. The 20-Day Close Guarantee is defined as closing the mortgage loan within 20 business days after receipt of a completed mortgage loan application and required supporting documentation. An application is considered completed the date the borrower receives written or email notification from IncredibleBank that their application is complete.
Purchase Transactions. As closing dates are dictated by the purchase contract, the 20-Day Close Guarantee is defined as receiving final underwriting approval within 20 business days after receipt of a completed mortgage loan application and required supporting documentation, including the fully executed purchase contract. An application is considered completed the date the borrower receives written or email notification from IncredibleBank that their application is complete. To be eligible for the guarantee, the completed mortgage loan application, as defined above, must be received a minimum of 20 business days prior to the closing date listed on the original, fully executed purchase contract. The borrower will receive written or email notification from IncredibleBank of final underwriting approval.
Conditions for All Transactions:
- Business days do not include Saturdays, Sundays, or federal holidays.
- First-lien mortgages only.
- Single-family primary or secondary homes only.
- Must be a conventional mortgage loan underwritten by IncredibleBank, subject to the exclusions below.
- Any rush fees assessed by a title company or appraisal company are the borrower's responsibility.
- Offer is only available for financing homes located in Wisconsin, Florida, and Michigan.
- Loan closing is subject to underwriting approval.
- Standard credit, collateral, and underwriting guidelines apply.
- All loans are subject to final credit approval.
Exclusions for All Transactions:
- VA, USDA, FHA, and WHEDA loans.
- Construction loans.
- Home Equity Lines of Credit and Home Equity Loans.
- Non-qualified mortgage loans are not eligible for the 20-Day Close program.
- Jumbo loans, generally loan amounts that exceed $806,500.
- Investment properties.
- IncredibleBank employees are not eligible to participate in this offer.
- Ineligibility.
The 20-Day Close Guarantee is voided or not applicable if:
- The borrower changes the loan product or terms.
- The borrower fails to meet purchase contract requirements.
- The seller fails to meet purchase contract requirements.
- Final approval is delayed due to a service provided by a third-party vendor, including appraisal and inspection.
- The borrower fails to provide requested documentation required for approval within three business days of the lender's request.
- Closing is delayed due to inclement weather, natural disaster, or another federal emergency.
- The borrower's circumstances change in a way that impacts eligibility.
- The borrower fails to provide insurance policy documentation within the timeframe requested by IncredibleBank.
- The loan application or documentation contains fraudulent information.
- IncredibleBank reserves the right to amend, terminate, or withdraw this offer at any time without prior notice.