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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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Stay or go? 3 factors to help you decide during a home remodel

Posted on Monday, March 9, 2015 at 11:48:23 AM

This year is shaping up to be a good one for home improvements. According to the National Association of the Remodeling Industry, a number of remodelers across the country are reporting growth and improved business conditions. 

Overall, more homeowners could be starting a home improvement project this year. If so, that means more people will be planning for a renovation and dealing with the construction on a daily basis. This can be a bit tricky at times, so Home Loan Investment Bank's Daniel Murphy shared some tips to make that experience a little easier for those involved.

First off, Murphy recommended choosing whether or not to stay or leave. There are two main types of home improvement that impact your living situation: major or minor. The latter includes siding, roofing, windows and doors. These won't get in the way of your daily life too much. Major projects, on the other hand, include additions, basement renovations, kitchen upgrades and bathroom remodels. 

These projects will get in the way. Murphy highlighted these three factors when deciding whether or not to stay:

  1. Money
  2. Family
  3. Peace of mind

1. Your money
"The money factor encompasses a lot of elements," he added. "Generally, the budget is stretched thin during a major remodel to begin with. By relocating you may be adding substantial stress to the situation."

It can be fiscally beneficial to relocate, however. For example, if your contractor will charge more for daily cleanings during the project.

"If the contractor has to work in unison with your schedule and the electrician, plumber, plasterer and so forth, then he or she may not be able to keep your project moving full steam ahead if the utilities have to be managed for purposes of showering, cleaning and cooking," explained Murphy.

2. Your Family
Your family is another important consideration during a home improvement.

"If you have young children who regularly nap then you cannot expect silence during nap time," Murphy noted. "Pets are also possible deterrents. Their natural curiosity may put them in harm's way or their protective instincts could distract and disrupt the labor crew."

3. Your Peace of mind
Peace of mind should be high on your list when deciding whether or not to stay during a home remodeling project. 

"The perpetual mess of dust, materials and tools can be expected," Murphy pointed out. "Not having the solitude to take a nap or read or even watch your favorite program can take its toll, though. You also lose your anonymity to use the bathroom or take a shower and prepare a meal."

A budget can help here. From the start, plan out the cost of relocating. You can have the expenses built-in to your home improvement project.

"When you have already budgeted the cost of a hotel and meals it is less financially painful and it leaves you free to follow your routine the best you can," he concluded.

Home improvement financing, a budget and a plan will all help you make this important decision. In addition, keep these three elements in mind as you prepare for your next major project.