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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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What to do if your home improvement project turns up pests

Posted on Tuesday, May 12, 2015 at 12:39:13 PM

Have you ever started a home improvement project, only to see signs of a pest infestation?

Unfortunately, this can be an all-too-common experience for homeowners: A DIY home improvement project uncovers pests. It could be termites, rodents, bees or any other unwelcome critter, but the task then becomes how to repair the home and prevent more pests from moving in.

If you have found yourself in this type of situation, Home Loan Investment Bank's Randy Stockstill shared some advice on coping with home-improvement pests. For starters, he explained what to do when you first find this unfortunate problem:

"With information readily available on the Internet, savvy consumers can diagnose and treat small pest problems," Stockstill pointed out. "For larger infestations, especially those containing termites, bed bugs or other pests that may harm your family or home, it's better to call a professional. Hiring a pro may be more expensive initially, but repeated failed attempts to fix the problem on your own costs more in the long run, as well as putting your health at risk and damaging your home."

While you have options to ditch the pests after they've moved in, your best course of action is to prevent them from ever showing up in the first place. 

"As always, the key to effective pest control is prevention," added Stockstill. "Insects will use the smallest of openings to infiltrate a home. Caulk any cracks in the structure and be sure that weather stripping is in good shape and seals all gaps completely. Because moisture attracts insects, ensure all pipes and appliances that cause condensation are in working order and any leaks are repaired. Lastly, regular cleaning around the refrigerator, dishwasher and stove will eliminate a possible food source for those unwelcome guests."

Above all else, make sure your home improvement is completed effectively and smoothly. This means no pests, but it also means smart management. Home improvement financing can help you offset the costs of any renovation, and feel free to contact us here at Home Loan Investment Bank for any other guidance you may need.