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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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Smart home improvements can benefit aging in place

Posted on Monday, November 10, 2014 at 1:05:12 PM

Growing older in one's home is increasingly important to today's Americans, especially families with multiple generations under one roof. According to the American Institute of Architects, this has impacted home design trends, with more renovations focused on guest rooms, ramps, elevators and upgraded entryways.

As a result, more homes across the country could soon have customized features designed for the elderly. If a renovation for this purpose is in the works for you, Home Loan Investment Bank's Brian Harvey offered some advice on the right steps to get started.

Harvey explained that longer life spans - combined with the health issues common among senior citizens - mean homes will have to adapt. 

"Many elderly will reach a point in their lives when they need specialized environments to safely retain their independence," he noted. "Accompanying this is the trend that more seniors are choosing to modify and stay in their homes to help with their needs, rather than pursue other living arrangements, such as nursing homes and assisted living facilities. There are a large number of affordable home improvements that will help a senior make their home safer and life easier."

For example, you could dedicate home improvement financing to the bathroom, flooring, kitchen and your entrance. 

"Modifying a bathroom can be extremely beneficial for one's safety - and to improve ease of use," Harvey pointed out. "Installing a walk-in tub or lip-less shower stall, single-handed faucet fixtures and grab bars near the toilet, shower and sink all offer ways to help secure what can otherwise be a dangerous area of the home."

This concept extends to other areas of your home as well. Harvey stressed the importance of even, stable floors. The edge of carpet or a rug can cause a person to trip and fall, so it is smart to remove these types of hazards, no matter how small.

In addition, Harvey suggested renovations to ensure the kitchen is a place of convenience for the elderly.

"Adjusting the height of countertops, drawers, and cabinets can make these areas more accessible and reduce the need to reach or stretch for everyday items," he said. "It is also helpful to change the hardware on drawers and cabinets to larger and easier to grab fixtures."

Finally, the entrance to your home must be addressed. While a ramp or sloped surface is beneficial, you could also add seating near your exterior doors.

"Becoming more popular is the addition of a shelf or bench just outside the main entrance," Harvey explained. "This allows for a safe place to rest items while managing to unlock and open the door. It also provides a place to sit and gather one's strength if a short break is needed."

These four areas are the big ones, but your entire home may need attention. According to Harvey, it is never a bad idea to update your lighting, furniture and stairs to ensure senior citizens can move about the home in comfort.