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Buying your first home starts here.
Buying your first home is a big step. We're here to make it feel a little less intimidating. From preapproval to closing day, our experienced mortgage team will guide you through the process and help you choose a financing solution that fits your goals.
Everything you need to buy with confidence.
Buying a home is stressful enough. Our 20-Day Close Guarantee helps you move from accepted offer to closing faster—with a commitment you can count on.
Your loan is reviewed by experienced lenders who understand your market—not an out-of-state committee.
From your first payment to your last, we service most loans ourselves so you'll always know who to call with questions.
As a federally insured community bank, we're committed to providing trusted mortgage solutions backed by the strength and stability you deserve.
Buying your first home doesn't have to feel overwhelming.
From understanding your financing options to navigating closing day, our mortgage lenders will walk you through each step of the process. You'll have a dedicated guide who can answer questions, explain what's next, and help you buy with confidence.
Take the next step toward homeownership.
See today's mortgage rates to explore your financing options and estimate what your monthly payment could look like.
Estimate your monthly mortgage payment based on your home price, down payment, interest rate, and loan term.
Have questions? Connect with an IncredibleBank mortgage lender for personalized guidance from preapproval through closing.
From preapproval to closing — here's what to expect.
From understanding your budget to getting the keys in your hand, we're here to make the homebuying process simpler, clearer, and less stressful.
Meet with one of our mortgage lenders to discuss your goals, review your finances, and determine how much home you can comfortably afford.
Once you're preapproved, shop with confidence knowing your financing is already in place. When you find the right home, we'll help you move quickly.
We'll guide you through the final paperwork, answer your questions, and help make closing day as smooth and stress-free as possible.
Gather these items before you begin.
Having a few key documents ready can help make your mortgage application smoother and keep your homebuying journey moving forward.
Recent pay stubs, W-2s, tax returns, or other documentation that verifies your income.
Bank statements, investment account balances, and information about your down payment and assets.
A government-issued ID and authorization to review your credit history as part of the application process.
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Mortgage Rates
- At our discretion, rates may change at any time after account is opened.
- You must deposit $25 to open this account.
- Account fees may reduce your earnings.
- Keep a $2,500 daily account balance to have the $10 monthly maintenance fee waived.
The people behind your home loan.
From your first conversation to closing day, you'll work with a dedicated mortgage lender who knows your goals, answers your questions, and helps make the homebuying process as smooth as possible.
The IncredibleBank Mortgage Blog.
Which is better? The short answer is like that passive-aggressive relationship status on Facebook – it’s complicated.
You’ve thought about it. Every time you pay your rent. Every time you get the urge to paint the walls of your apartment. Every time you attend your friends’ housewarming parties.
Here’s what you need to know to get the most from your home-buying experience.
More Home Financing Solutions
Need to move quickly? Learn how eligible borrowers can close in as few as 20 days with our 20-Day Close Guarantee.
Calculate Your Monthly Payment
Estimate your potential monthly payment and better understand what may fit your budget.
Already found the perfect home but planning a few upgrades? Finance renovations with a home improvement loan designed for your next project.
Frequently Asked Questions
You might find what you’re looking for right here.
Many programs define a first-time homebuyer as someone who hasn't owned a home in the past three years. Even if you've owned a home before, you may still qualify for certain first-time buyer programs. Our mortgage lenders can help you understand your options.
The amount you need depends on the type of mortgage you choose. Some loan programs require as little as 3% down, while others may require more. We'll help you find the financing option that fits your budget and goals.
Yes. A mortgage preapproval helps you understand your budget, strengthens your offer, and can make the homebuying process move more smoothly once you find the right home.
In addition to your down payment, you may have closing costs, appraisal fees, homeowners insurance, property taxes, and other expenses. We'll explain each cost before you close so there are no surprises.
Every home purchase is different, but the process typically includes preapproval, finding a home, completing your loan application, underwriting, and closing. If you're eligible, our 20-Day Close Guarantee can help you move through the mortgage process faster.
That's okay. Buying your first home is a big decision, and we're here to help you prepare. Our mortgage lenders can answer your questions, explain your options, and help you decide when the time is right.
*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.
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 conventional mortgage loan underwritten by IncredibleBank (exclusions below)
- Any rush fees assessed by a title company or appraisal company will be borrower responsibility
- Offer only available for financing of homes located in Wisconsin, Florida, and Michigan
- Loan closing subject to underwriting approval
- Standard credit, collateral and underwriting guidelines apply
- All loans subject to final credit approval