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WHAT PEOPLE ARE SAYING

Home Loan was started to help our customers achieve their goals, and we're proud of our track record. But don't take our word for it. Here's what some of our customers have to say:


"Working with Mario [Loan Originator] at Home Loan Investment Bank made the often rocky road of refinancing smooth and almost easy. Once we sent our information to Mario he reviewed it quickly, and promptly let us know if anything was missing. We were in Arizona, the property we were refinancing was in Maine, and Mario was in Rhode Island, but working with Mario was like working with a next door neighbor!"

– Dave M.


 "In this day and age, it is rare to find true kindness, consideration and courtesy. Emily [Loan Originator] was all of those things and more. I just wanted you, her manager, to know what a really excellent job she did for us. Thank you.

– D. Gayle & Robert W.


"This is just to thank you for all of your help. We finally closed on the houses! Please know that we are very thankful to you for helping us achieve a 'new' dream in America. My husband came to America 18 years ago with one dollar in his pocket and now he owns three houses... thanks to Home Loan Bank."

– Carolina B.


"Thanks to Kristin [Loan Originator] and your bank loan, this New Year is certainly looking brighter for me and my children. I know that I am one of the many thousands of people your bank deals with on a daily basis, but I never felt like a number or an account."

– Maggie C.


"I am writing to thank your for the opportunity for us to finally bring our previously high mortgage rate down. Due to financial difficulties over the past several years, until now we have been unable to do so. The opportunity your institution has made available for us is making all the difference in us securing our financial future."

– Karen T.


 "Thank you so much for all your help on our recent loan. Your professionalism, knowledge and great customer services made it all happen."

 – Frank and Eileen S.


"I closed on a home refinance with Home Loan Investment Bank in May. Mario [Loan Originator] made the process easy and painless. Mario and Home Loan were great to work with. It was just like your neighborhood bank on the phone and over email, and they were always available to move the process forward. This was truly a once in a lifetime refinance opportunity. I have the same monthly payment for a 15 year fixed mortgage versus my old 30 year fixed mortgage. Thank you. "

– Nils M.


"Thank you for superior professionalism and just plain human compassion throughout my refinancing process."

– Sonja S.


"I have been a Real Estate Broker for over 24 years, dealt with a lot of banks, bankers and brokers and I have never been treated so kindly."

– Evelyn B.


"Lance [Loan Originator] was extremely helpful, answered all of our questions promptly, whether asked by phone or fax, and his attention to detail and follow up were commendable. It may be a level of excellence that you expect from all of your agents, but we found it exceptional and worthy of comment."

– Harold S.


"We have told other people about the great way we were treated and about the smooth refinancing experience your company and Emily [Loan Originator] provided and have referred them all to you for help in refinancing their home."

–Gay and John B.

  
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Preparing your home can minimize damage from severe weather

Posted on Tuesday, October 14, 2014 at 10:37:55 AM

Last month was National Preparedness Month, and a report from the Lightning Protection Institute stressed the importance of getting your home ready for serious weather. As fall carries on, strong winds, rains, lightning and other dangerous conditions could appear at any time.

Thankfully, you can be prepared for severe weather. Affordable home improvement financing can help you renovate your property as you see fit, whether you will face tornadoes, heavy rains, flooding or natural disasters. Home Loan Investment Bank's Brian Harvey recently offered some advice for how you can implement preventative measures and inexpensive improvements to help protect your home and your family. For starters, get ready now, before the weather takes a turn for the worse.

"It is wise to stock up early on your winter essentials, such as ice melt and salt," Harvey explained. "Prepare your supplies, like shovels and waterproof boots, for easy access - and clear your yard of furniture and debris. Taking a few minutes beforehand to make some basic preparations can save valuable time for when the storm hits and it helps to relieve the stress of protecting your home during a significant weather event."

Remember that strong winds and rains can do some major damage. Upgrading your property can minimize the potential for problems. 

"Installing hurricane shutters and/or storm doors and windows can help minimize damage," he noted. "When these areas are drafty, the air pressure inside your home can be impacted during a storm, causing wind, water and ice damage. Sealing the window and door frames with caulk and proper weatherstripping will decrease the draft and help regulate the air pressure inside your home. Often overlooked is the importance of a safe and secure garage door. Large garage doors, such as those for a two-bay garage, can become warped and damaged when there are high winds, intense rain or snow and frigid temperatures."

One other important area to inspect is your roof. Leaks or worn shingles can present issues in severe weather, so consider calling in a professional should you notice a problem. Now is also the time to inspect your gutters as well.

"Gutters and downspouts should regularly be cleared of debris to ensure they are flowing properly," said Harvey. "Your attic should be well-ventilated so that the temperature inside reflects closely to that of what is outside. If the attic is too warm during a heavy snowfall, that heat will cause the snow to melt and travel down the slope of your roof. This water has a tendency to refreeze when it reaches the lower level of your roof near the gutters where the temperature is colder. This can form an ice dam and not allow for proper drainage."

Above all else, Harvey stressed preparations as an important part of being a homeowner. Take the right steps before severe weather to help prevent damage and keep your home safe and secure.