homeowner

Congratulations on Closing!

Congratulations to Pam and Oscar for closing yesterday! They trusted Imagine Home Lending handle another home loan! We appreciate your return business so much! Imagine Home Lending - Doug Milkowski teamed up with Liz Todd- Realtor, KPR Brokers and Heidi Milkowski to ensure a smooth closing for these two!

Congratulations and many thanks!
Imagine Home Lending
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May Mortgage Update

Spring has spring and for sale signs are appearing all over south western Wisconsin!

If you’re currently #househunting it’s a great time and we have great weather for you to attend open houses or schedule showings with your realtor.

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Did you know…

Health care professionals qualify for the Homes For Heroes rebate program? Imagine Home Lending is a proud partner of Homes For Heroes, a program that offers savings and rebates for Veterans, Active Duty Military, Fire, EMS, Police, Educators, and Healthcare Professionals.

We believe that heroes come in many shapes, sizes, and forms. We also believe that heroes deserve rewards. Participants of the Homes For Heroes program save between $500-$2000 in closing costs.

To see if you’re an eligible hero, call your local Imagine Home Lending branch.


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The Spring housing market is buzzing like a bee, and we want to make sure you’re a competitive buyer. When putting offers on houses, sellers are likely to choose the buyer that’s been pre-approved. Find out more about our application process online or by calling your local Imagine Home Lending branch.

Happy Spring, future home owners!



Congratulations On Closing!

Another day, another dream home financed! Congratulations on closing, and a special thanks to Linda Thompson, Holly Bowe Coldwell Banker Brenizer, Realtors, and Andraya Albrecht from Property Shoppe Realty LLC.

Enjoy 2019 in your new home Dakota!

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Operation Gratitude

Imagine Home Lending is a proud partner of Operation Gratitude. Being sweet to our military is so important to us.

Imagine Home Lending is a proud partner of Operation Gratitude. Being sweet to our military is so important to us.

This year, Imagine Home Lending is a drop off location for your extra Halloween candy!

Here’s how operation gratitude works: your kids go trick or treating, allow them to indulge a bit in their collections, then any day before November 8th, drop off their leftovers at the Onalaska branch of Imagine Home Lending.

We’re located at

1037 Riders Club Road,

Onalaska, WI, 54650.

We’re just behind the Onalaska Menards.

We’re always looking for ways to give back to our service members. Imagine Home Lending offers programs for active and retired military such as Homes For Heroes and VA Loans that offer special rebates, discounts and rates for military. We believe that service deserves it’s rewards.

Help us send a little sweetness to our service members this Halloween. Drop off anytime during our business hours. Monday-Friday 8:00am - 5:00pm.

Imagine Home Lending wants to wish you a safe Halloween!

Winter is coming

Whether this will be the first winter in your new home or you’re hoping to save some pennies on your energy bill in your apartment to put towards your down payment, we have a few tips and tricks to show you how to make your home more energy efficient as the temperatures begin to drop.

Imagine home lending energy efficiency tips



Heat the spaces you spend the most time in. Set the thermostat to 62-68 degrees, and use space heaters in rooms that get the most traffic. We simply suggest that you use space heaters with auto shut off safety features when they’re knocked over. You can even go all out and get space heaters that look like fireplaces. Only heating the spaces that you’re most likely to occupy can shave a few dollars and cents of your monthly bill this winter.



Humidity. Warm air can be a little dry during the winter. Adding moisture to the air helps forced heat stick linger a little longer. Buy a humidifier, and set it on a timer.



Check your water heater. Set your water heater to 120 degrees. It’ll keep you from scalding you in the shower if you accidentally turn the dial a little too far, and cut down energy costs.



Check your furnace. Check your furnace filters monthly, and replace as needed.



Sunlight. Winter can bring about a lack of Vitamin D, so opening the curtains when the sun is shining can perk up your mood. Of equal importance, having south facing curtains open during the day will bring natural heat into the home. Just make sure you close them when the sun goes down in order to keep that warm air in.



More on curtains. Insulated curtains are worth the few extra dollars, and they come in an array of colors and patterns that will suit almost any room’s decor.



Check with your local energy co-op. Our local energy cooperative offers efficiency incentives programs. They give clients discounts for buying new energy efficient appliances, recycling old ones, for switching to LED lighting, for high efficiency water heaters, geothermal HVAC, and for having energy audits performed on your home. Most energy companies offer discount programs for sprucing up your home with energy upgrades. Visit your energy provider’s website for more information.  



Do you have any energy saving tips to share?

Find us on social media or email to tell us how you prepare when winter is coming.



Meet our new loan officer

Alyssa Shaefer - Onalaska, Wisconsin Mortgage Loan Officer

We’d like to welcome a new member to the team!

Alyssa Schaefer is the newest addition to the Imagine Home Lending team. We asked her a few questions to allow you to get to know her better!

When asked her favorite part about working in the mortgage industry her response was, “I love helping people! It is an amazing feeling helping someone get into their dream home.”

Her favorite part about Wisconsin is “the many different seasons that we have. I am a very outdoorsy person, and Wisconsin is a great place for me to be able to do the things I love such as hunting, horseback riding, snowboarding, motorcycle riding, and camping!”

Finally, we wanted to know what she’s most looking forward to being a new asset to a local business and she explained, “I am looking forward to helping Imagine Home Lending grow and show people why they should in-trust us with their purchase or refinance of their home!”

Imagine Home Lending is excited to have Alyssa join our team. She’s an active member in the La Crosse community. She’s involved with the La Crosse Area Realtors Association, the La Crosse Chamber of Commerce, Young Professionals, Women’s Alliance, and Women Empowering Women. As a local business, community involvement is something that we value greatly and we’re happy to have team members who share the same vision.

We encourage you to give her a warm welcome! If there’s any way she can assist you in financing or refinancing your home, give her a call today! 
608-779-3100

White Pickett Fence

Still the American dream?

Source: Creative Commons

Source: Creative Commons

The stigma of being a millennial seems to be a hot topic. This generation has more options, more freedom, and can access almost any information or product with a few button clicks. As a result, they’re doing things a little differently than the generations that came before.

Nicholas Padiak (2017) of the Chicago Tribute quotes Brian McCabe when he shares,"The homeownership rate really starts to climb after the Second World War," McCabe said. "So it's in the 1950s and the 1960s that we go from being a country of 45 percent (homeownership) to a country of well over 60 percent." (2017). He goes on to quote realty broker, Greg Nagel, explaining, "[homeowning] represents probably the most risk-free investment opportunity to build wealth due to the tax advantages," such as the mortgage interest and property tax deductions. "It's very powerful," he said.”

Grandparents and parents of the millennial generation had rhyme and reason behind their white picket fences. The political and cultural climate incentivized homeownership.

So what has changed?

Source: Women's Health Magazine

Source: Women's Health Magazine

Millennials are waiting until later in life to settle down. This graph from Women’s Health Magazine suggests that the average marriage age went from 20 to 27. The reasons behind delayed weddings range from women being more likely to pursue education, couples wanting to pay down student loan debt, having more options in choosing a partner, etc.

It seems as though millennials still value homeownership. According to housing wire (2018), 75% of non-homeowners want to become homeowners. However, the political and cultural climate is less eager to suggest that you aren’t successful or stable until you own a home.

It just seems a little more intimidating when you have outstanding student loans, aren’t yet married, or don’t know much about the process of buying a home.


Imagine Home Lending offers several different loan programs because we want to find a loan that works for your budget. Homeownership is still a pillar of the American dream. “Life, liberty, and property”, right? If you’re apart of the 75% of non-homeowners that want to transition into being a homeowner, call us today!