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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
NMLS#134666

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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!



Homes For Heroes Giveaway!

Homes For Heroes is hosting their Experience Contest! Winner will receive an additional $500. All you have to do is fill in the form, record a 30 second video about your homes for heroes experience, upload it, and submit!


If you used the Homes For Heroes to finance your home, click here to enter!

If you’re interested in hearing more details about the homes for heroes program, click here!


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Explore La Crosse!

Whether you’ve settled down and purchased your home or are currently renting in the beautiful driftless region, chances are we spend far more time at work than at play.

It’s chilly outside; here’s a list of ways you can shake off the cabin fever and connect with your community!

Treat yourself or your valentine to a steak dinner at Fayze’s. Their Thursday special includes a 6 oz sirloin, two sides, and homemade bread for $9.99!

Bundle up and head over to Norskedalen Nature and heritage center for a snowshoe hike! Explore the beautiful trails by candlelight. Bring your own snow shoes, or rent them when you arrive.

Learn to decorate cake pops that look like unicorns! Unleash your creativity and enjoy some sweets. Great activity for kids or adults.

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Participate in a Mississippi River tradition: Friday Fish Fry! We suggest Blue Moon Restaurant in Onalaska. You can never go wrong by kicking your weekend off with a local fish fry.

Take a little trip up north for a Golden Eagle Viewing Field Trip. Perhaps you’ll spot a bald and golden eagle! This is a great way for older children and/or adults to spend the day learning about the beautiful natural habitats in the driftless region.

Settle down with a Sunday morning brunch at Creekside!

Though the whether outside is still frightful, don’t be shy! Get out there and experience the benefits of living in Coulee region.

Think Outside The Box

What do you think holds potential home buyers back from taking the plunge and buying their first home? What do you think the number one apprehension is for potential first time home buyers? Unfortunately, It’s been drilled into our brains that in order to consider purchasing a home, you’ll need 20% down. Imagine Home Lending is here to let you know that you have the option to finance a home without needing 20% down.

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Imagine the following scenario:

You’re daydreaming, scrolling through Zillow, taking an inside look at what kind of houses are available in your area. You find a home in a nice area, close enough to work, walking distance from your go-to happy hour spot, and it’s priced at $150,000.

In today’s economic climate, it’s common that most of us carry some combination of  student loan debt, medical expenses, high rent costs etc.

Is it realistic to expect that the average person has $30,000 saved up for a down payment on this home? We don’t think it’s common for members of our community to be sitting on that kind of expendable cash. (I know I’m not!)

So, how do you turn your Zillow daydreams into move-in ready reality?

Find a lender who can offer you options that work for your circumstances. Imagine Home Lending offers several mortgage programs that offer different down payment options for qualified buyers. For example, USDA and VA loans are great 0% down payment options. FHA and Conventional mortgage loans offer down payment options as low as 3%.

I don’t know about you, but $4,500 (3%) down payment seems a lot more doable than $30,000 (20%). Some mortgage programs allow down payment gifts, and some mortgage programs offer down payment assistance to qualified buyers. What I’m getting at is, where there’s a will, there’s a way.  

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Imagine Home Lending is a local mortgage lender. We make a strong effort to work closely with our community to make your loan process simple, realistic, and as stress-free as possible.

Curious to hear more about our mortgage program options?

Give us a call or visit us online today!




Rising house prices

Conventional loan limits are rising in efforts to accommodate the rising price of housing. The demand for housing has risen beyond housing availability.

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So what does this mean for potential home buyers?

It means that as soon as a house hits the market, it probably won’t stay on for more than a few days. This is where pre-qualification and pre-approval gives you the upper hand.

If a seller has multiple offers on the table, they’re likely to select a buyer who is pre-qualified or pre-approved. They buyers know that this seller is serious, they’ve thought about financing, and have found a lending partner who is willing to work with them.


It takes less than five minutes to apply for pre-qualification! Just click Apply Now!


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