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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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Top 4 home improvements for first-time homebuyers

Posted on Monday, June 8, 2015 at 3:02:51 PM

Nearly all new homeowners have something they want to change with their homes. Even so, many opt to wait awhile before starting a home improvement project. The trick then becomes learning when it is the right time to begin a home improvement project - right after buying or a bit down the road.

To help shed some light on this dilemma, Home Loan Investment Bank's Rodney Gaumitz shared some home improvement tips for new homeowners.

"For a first-time homeowner, there is no real right or wrong time to begin a home improvement project," explained Gaumitz. "It really comes down to when they feel comfortable with taking on the project. Once you decide you're ready to tackle it, that is the best time."

Whether utilizing home improvement financing or paying out of pocket, Gaumitz noted that there are some projects that have a quick, effective impact on the home. These include:

1. Painting
According to Gaumitz, painting costs about $30 to $60 per gallon of paint. The benefit is an instant makeover.

"Interior painting can bring so much to a home," he pointed out. "We've all been in the homes where the paint colors were a turn-off. But don't let someone else's taste steer you away from purchasing a great home. Paint can be changed for little money."

Best of all, painting is a great weekend project, with only a couple of gallons on average needed. Get friends and family involved, too.

"You'll be surprised how much painting four people can do if you do at least one hour of prepping in each room (sanding, spackling and taping)," Gaumitz explained. "Visit the major paint manufacturers' websites for help with color choices."

2. Updated Flooring
According to Gaumitz, the cost for updated flooring is about $600 to $800 per room. The benefit is instantly updated decor.

"Whether it's carpeting that needs to be scrubbed or replaced, or hardwood floors that look as though the previous owner's cat used them as scratching posts, most homebuyers want to update flooring before moving in," he added. "The cost of carpeting ranges by quality and design but on average, it costs anywhere from $3.34 to $4.50 per square foot. So if your family room measures 15' by 12', you'll spend around $600 to $800. Not bad for achieving the look of a brand new room."

If you've already got hardwood floors, consider sanding and varnishing. It's often cheaper than carpeting, Gaumitz stated. Another option is to have carpets cleaned, either via a professional or as a DIY project.

3. Updating the Bathroom
According to Gaumitz, the cost for an updated bathroom is about $200 to $400. The benefits include increased home appeal and fast turn-around time - often done in a weekend or less.

"What most people don't realize is a simple remodel to a bathroom or kitchen can be so easy and inexpensive," he stressed. "Whether you are looking to replace a leaky faucet or change out an outdated vanity, it can be very affordable. A simple plumbing fixture (i.e. a faucet or sink) can change the look and function to the bathroom immediately."

He added that a complete bathroom remodel can cost between $9,000 to $16,000, but you can start a whole lot smaller, if need be. Best of all, plenty of changes are DIY-friendly, like a new vanity or a pedestal sink.

4. Lighting
According to Gaumitz, the cost of updated lighting is under $10 for a box of six light bulbs, or between $30 and $250 for lamps or fixtures. The benefits include brighter rooms and improved ambiance.

"If a room seems very dull and you think even painting won't make a difference, one thing that buyers don't think about is lighting," Gaumitz explained. "Replacing old light bulbs with brighter ones (within the maximum wattage a fixture will allow) and actually changing some fixtures out completely will open and brighten up a room instantly. You would be amazed how simply taking a floor lamp and changing it out to a wall- or ceiling-hung light can do to open up and add space to a room. That, coupled with a nice paint job, can completely transform a room in no time."

Finally, Gaumitz emphasized that a home improvement project shouldn't deter you from buying a home. Be prepared, figure out the costs and dive right in.

"The process can be a lot to take in, but preparing yourself ahead of time and knowing what something can cost can really put things into perspective for first-time homebuyers," he concluded. "Then, instead of clicking your heels three times and dreaming of being home, you can sit back and relax and say 'there's no place like home.'"