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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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Getting the most out of DIY outdoor home improvement projects

Posted on Monday, July 13, 2015 at 10:49:13 AM

Not only are homeowners expected to tackle more do-it-yourself outdoor home improvement projects than they did last year, they're prepared to spend more too. 

The Home Projects Council's recent survey of 507 homeowners found that 45 percent of them plan on spending $1,000 or more on DIY outdoor home improvement projects in 2015, according to The Philadelphia Inquirer. Last year's survey results indicated that 37 percent of homeowners had plans to spend that much. Homeowners looking for home improvement financing for outdoor projects should keep in mind that some projects will provide a substantial return on investment, as opposed to others. 

Brian Clements, Title 1 sales representative with Home Loan Investment Bank, explained that decks, patios and sheds are some of the best projects for homeowners, in terms of ROI. They offer "functionality, more living space and more storage space," he added. 

Curb appeal is another thing homeowners should keep in mind when planning DIY outdoor home improvement projects. Without it, a home for sale won't attract much attention from potential buyers.

"If the home is not appealing from the street, but the inside is immaculate, the lost curb appeal could mean the difference in potential buyers even entering the home," Clements said. "Homeowners can add shrubs, flower beds, walkways, retaining walls, mulch, outdoor lighting and sod to dress up the yard for fairly low cost."

To make sure projects are affordable, homeowners should set up a budget, with a buffer included, and stick to it. It is important to plan thoroughly, and ahead of time, to limit the potential for unpleasant, costly surprises while buying materials and working. 

"Unforeseen circumstances could increase the amount you spend on the project, so always give yourself a goal budget and a hard high-end budget that cannot be exceeded," Clements explained. "Depending on the project you may want to purchase materials in stages so if you do find an issue that proves to be costly, you can adjust the type of materials you planned on using. Or, if possible, cut out a part of the project."

Last but not least, Clements noted that homeowners should turn DIY outdoor home improvement projects into family fun. 

"Get everyone involved and the sense of accomplishment will be very rewarding to everyone in the household," he concluded.