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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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How to get the most out of a small home improvement budget

Posted on Tuesday, August 11, 2015 at 7:21:57 PM

The average cost of home improvement projects is up slightly in 2015, though substantially lower than it was five years ago. With consumers more willing to spend than they have been recently, but sticking to a low budget relative to 2010, homeowners often have to be smart and creative when planning their home improvements. 

In 2015, the Harvard Joint Center for Housing Studies found that home improvement project spending rose slightly over the prior year, from $4,000 in 2014 to $4,100 this year, according MarketWatch. The tendency toward more affordable projects means that homeowners have to be careful in planning to get the most out of every dollar they spend on remodeling and improvement. A number of projects can be kept within budget with the right contractor, right tools and the right strategy. 

"If you are thinking of selling your home soon, you may want to focus on some of the key areas that buyers look at, namely curb appeal and bathrooms," explained Chris Tibbetts, a title 1 sales representative with Home Loan Investment Bank. "You can accomplish quite a bit of landscaping, painting or even slight bathroom upgrades, like a brand new tub or vanity, for less than $4,100, which would allow you to get a bit more creative or perhaps even leave enough to add a new entry-way door."

However, not all homeowners are thinking of moving soon, and for those who intend to stay in their current house, the focus of their home improvement planning may change. 

"Other projects would include new gutters or perhaps installing new carpets or flooring to help add some new life to your happy home," Tibbetts noted. "If cutting costs is more your priority, then maybe some new insulation to help reduce your heating/cooling costs is the way to go. Another option is a new patio to increase your quality time with your family and improve your overall quality of life."

Tibbetts added that, to stay in budget, it would be smart to run your own credit check, to ensure that you get the most out of the home improvement financing options available to you. Make sure that your credit report is accurate, and fix any errors and collection accounts as soon as you possibly can. This will help you qualify "for lower interest rates and other promotional opportunities offered," Tibbetts concluded.