Our Mortgage Products

Our Offerings:

• Fixed Rate Mortgages offer simplicity and predictability with rates and payments that stay the same for the life of the loan.
• Adjustable-Rate Mortgages start with a lower interest rate and gets adjusted upward or downward based on economic conditions.
• Wisconsin Housing and Economic Development Authority (WHEDA) loans help those with low to moderate incomes get affordable financing for their first home (available only to Wisconsin residents).
• United States Department of Agriculture’s (USDA) Guaranteed Rural Housing Program helps low to moderate income rural homebuyers achieve home ownership with loans, loan guarantees, and grants.
• Veterans Affairs (VA) Loans helps Veterans, service members, and eligible surviving spouses become homeowners.
  • No downpayment required
    (Note: Lenders may require downpayments for some borrowers using the VA home loan guaranty, but VA does not require a downpayment.)
    
    

  • Competitively low interest rates

  • Limited closing costs

  • No need for Private Mortgage Insurance (PMI)

  • The VA home loan is a lifetime benefit: you can use the guaranty multiple times

• Federal Housing Administration (FHA) Loans allow for lower down payments and lower minimum credit scores, making them a great option for first-time homebuyers.
• Non-Qualified Mortgages (Non-QM) are a type of mortgage that allows you to qualify for your loan through non-traditional means.
• Construction Loans with IncredibleBank are single close loans, meaning there’s only one set of closing costs.
• Home Equity Lines of Credit (HELOC) or Home Equity Loans allow homeowners to use the equity in their home to finance things like home renovation, vehicles, and other purchases.

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All loans subject to credit approval.