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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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How to prepare your home ahead of a winter storm

Posted on Tuesday, December 9, 2014 at 1:48:34 PM

Winter is finally here, and for many homeowners, now is the last opportunity to shore up a property in preparation for the coming snow. Thankfully, there are a number of steps you can take today to improve the safety and security of your home.

For example, generator company Generac explained that many changes you can make are actually quite simple, and don't require a significant investment of time or money.

Recently, Daniel Murphy, of Home Loan Investment Bank, offered some tips to winterize your home.

"The winter season is a busy time of year," he explained. "In a matter of weeks a homeowner will go from maintaining their lawn and yard to having to pack up the yard and winterize the exterior and interior of their home. Time is a commodity as well, with shorter days, unfavorable weather and of course, the holidays and family gatherings."

Here are four steps you can take, according to Murphy:

1. Install a ceiling fan
"Ceiling fans help to distribute air throughout the house more evenly and help to keep hot air from rising up and out of the home," Murphy stated. "Be sure to turn the motor on reverse during the winter to draw air upwards instead of pushing it down."

2. Adjust your thermostat
"Turn the heat down at night and when no one is home," Murphy noted. "Turning the heat down several degrees - to say 60 degrees - will make a big difference and by spending a few dollars you can purchase and install a programmable thermostat to avoid having to do it manually."

3. Routine maintenance
"Regular maintenance of your furnace and heating system will help ensure that it is working properly and efficiently," he added. "The basic filters for these systems are generally easy and inexpensive to replace, but scheduling an annual cleaning and inspection from a professional is important as well. Many HVAC service providers can also build into their service visit a quick inspection of your hot water heater and your air conditioner as well to help save on appointment costs."

4. Run the water
"Run the water in your home regularly, especially if you have seldom-used faucets or bathrooms," Murphy pointed out. "This will help maintain proper pressure in the pipes and aid in preventing freezing and bursting."

Finally, Murphy suggested that you research an energy audit. Once completed, you will learn about all the areas in your home that could use an upgrade. However, be prepared to hear that something needs to be replaced altogether.

While many options are affordable, you might want some financial assistance as you winterize your home. If this is the case, consider home improvement financing from Home Loan Investment Bank for your next project.