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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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Bathroom, kitchen remodels may account for majority of home improvement projects this year

Posted on Wednesday, March 6, 2013 at 4:30:13 PM

Recent reports from the National Association of Home Builders and Hanley Wood show the top consumer remodeling projects expected to occur in 2013 could be bathroom and kitchen updates, as well as replacing existing doors and windows.

According to the Leading Indicator of Remodeling Activity, annual homeowner spending may exhibit double-digit growth within the first three months of the year. An increase in remodeling activity may cause related improvement in the labor market. 

"Homeowners' decision to remodel is not too surprising: To repair and replace old components and to upgrade amenities and that more home owners are happy staying put – at least for now – and instead are looking at how to enhance what they already have," said Home Loan Investment Bank title one representative Brian Harvey. "This upward swing will have a significant impact on contractors and the economy. Such an increase in growth will afford many remodelers the opportunity to increase profitability, which will result in their need and ability to hire more skilled workers to meet the demand. Improved employment will certainly bolster the economy in this sector resulting in growth and spending in these communities."

Consumer perception that housing values have stabilized in most markets could boost their willingness to resume their regular spending, and possibly pursue home improvement projects they have been putting off.

A combination of low residential financing costs, improving home sales and strengthening consumer confidence may lead to further positive growth in the housing market, and overall economy.