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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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How to make a spring home improvement to-do list

Posted on Tuesday, April 14, 2015 at 1:00:14 PM

It has felt like forever, but spring is finally here, and with it homeowners itching for an upgrade. In fact, many people are taking the concept of "spring cleaning" and going one step above - home improvement.

If this sounds like you, then you're in luck - Home Loan Investment Bank's Brian Harvey recently offered some good advice on which home improvement projects are best saved for this time of year.

"Spring is the perfect time of year to assess your home following a rough winter and to prepare for the hotter temperatures and weather conditions of summer," Harvey explained. "There are a number of service and maintenance projects that should be on every homeowner's spring to-do list."

According to Harvey, your to-do list should look something like:

1. Exterior Maintenance
Begin with a tour around the outside of your home. Inspect the property and find areas that need repairs. 

"Painting, staining and sealing decking, stairs, handrails and trim work will give your home a fresh new look for the spring and summer," Harvey noted. "Another easy and affordable update for the handy homeowner is to replace your mailbox and post. Kits or the individual materials should be available at your local hardware store, and a new mailbox can be an eye catching addition to your home's curb appeal."

2. Service and cleaning
The next step involves regular service of your home appliances and components. Calling in an industry professional can ensure everything is in top working order for the summer months - and the eventual winter.

"These service appointments will help you gauge the life expectancy of your units so that you may prepare financially for replacement and repairs when needed," Harvey added. "Changing filters for these units is a simple task and will help increase performance and energy efficiency."

One other step is to address insulation. Make sure your home is adequately protected in the attic and in crawl spaces.

3. Replacements and repairs
The home improvement on your spring to-do list should cover replacements and repairs. 

"Owning a home is a never-ending cost and inevitably there will be more expensive projects that need to be addressed to protect your home's integrity and value," Harvey pointed out. "The spring is classic home improvement season, and a thorough analysis of the condition of your roof, gutters, downspouts and windows should always be part of your spring start up."

Harvey recommended caulking windows, checking gutters and downspouts and fixing the roof. Inspect your entire home on a regular basis and get ahead of any repairs. If you need financial assistance, home improvement financing can help offset the cost of needed upgrades this spring.