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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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Which home improvements will help you sell today?

Posted on Monday, January 12, 2015 at 9:40:12 AM

Homes come in all shapes and sizes, and for buyers, the interior design can make or break a sale. With that in mind, today's sellers must make some smart choices with their improvements. According to, bold paints, converted bedrooms and carpeted floors are all turn-offs for potential buyers.

Depending on your perspective, the yearly fluctuations in home improvement trends are either a positive or negative. Either way, it can get confusing as to which route is the right one for your property. To help clarify, Home Loan Investment Bank's Randy Stockstill shared some advice for selling your home - and making the right design choices along the way. He explained that the first step is to address the exterior of your home.

"You can accomplish this by mowing the lawn, planting flowers in bloom, hanging easy-to-read house numbers and re-painting and staining the front porch," Stockstill recommended.

Next up is the inside of your home. According to Stockstill, you should tackle items that are often noticed by buyers, such as the floors.

"At the bare minimum, [your floors] should be sparkling clean, however, refinishing wood floors is a great way to make your home stand out," he noted. "Lastly, since everyone knows bathrooms sell homes, it's important to pay special attention to these areas. Dated bathroom tile can be a major turn-off. One inexpensive way to alleviate this concern is to paint over with a neutral color. Also, pedestal sinks are a great way to open up small bathroom spaces."

In addition to new renovations, you may want to dedicate some home improvement financing to undoing some of your past design choices. While this will be tough, the color or layout you like may not be right for a potential buyer.

"A little color here and there is okay, but try to rein in any wild designs in order to appeal to the widest array of potential buyers," Stockstill added. "You should also remove any personal items, such as pictures, awards and even little Timmy's drawing on the fridge. The goal is for prospective buyers to picture themselves living in the home, and these type of personal items can really get in the way. Finally, it's important to use your extra space wisely. Repurpose that spare bedroom as a home office or gym, and clear out the clutter from the garage so you can actually park your cars there."

When selling, focus on tapping into home improvement trends that are popular today, like outdoor living spaces.

"Rather than replacing a deck, for example, using a little elbow grease to dress the area up can go a long way," Stockstill explained. "Stabilize and replace any rotten boards, and stain for that 'like new' look and feel. Furnishing the area with a barbeque pit and a set of outdoor table and chairs will also add living space and cozy appeal to your home."

With these tips, you'll be able to better position your home to sell in today's market.