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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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5 tips for DIY home improvement

Posted on Monday, January 11, 2016 at 1:54:55 PM

Chances are that when it comes to the big investments you'll make in your lifetime, your home is the biggest of the bunch. Keeping it in the best possible condition isn't just important - it's something many homeowners like to do themselves through cost-effective home improvement projects.

DIY home improvement can be incredibly satisfying, but if you're unsure how to get started, here are some tips, according to Home Loan Investment Bank's senior account manager Blane Morphis:

Prioritize
It isn't hard to take a quick look around your home and find multiple areas that could be improved. The key is determining which of those areas make sense for a DIY project - whether it's an easy and inexpensive task like painting a room or patching up small holes, or a more complicated one like replacing old carpet with new tile or wood.

"The key is to prioritize and stick to your list,"  explained Morphis. "Establish what you are willing to undertake, and what you are capable of - be honest about your skill level and what you can realistically manage - so you can determine what should be left to a professional."

Determine your budget
Without a clear budget, the risk of overspending on a home improvement project becomes very real.

"It may help to comparison shop the local hardware stores, and pay attention to upcoming sales at specialty retailers," said Morphis. "Keep in mind that materials may not be the only cost you need to budget."

Tools can be either purchased or rented, which will save on cost, but contractors can vary in price, so written estimates are essential for grasping the scope of a project.

Seek expert advice
Quality home improvement projects are the most likely to offer significant return on investment, so don't be afraid to consult a professional. Local hardware and home improvement stores typically offer both seminars and experienced staff who can provide step-by-step instructions that will save you time and money.

Get the right tools
Without the right tools to get the job done, a home improvement project will be little more than a lesson in frustration. After all, a broadsword may have a sharp edge, but that doesn't mean you would use it for eye surgery.

"Every homeowner should have supply of basic tools like hammers, pliers, wrenches, and screwdrivers on hand," said Morphis. "It's worthwhile to take the time and money to purchase a quality set of tools."

Get it right the first time around
Before rushing into a DIY project, remember this - you will see the results of it for as long as you own your home. If you rush the job or cut corners, it will likely become apparent in the long run. So take your time and do things right from the get-go. 

That way, when the job is done, you'll be able to look on added value to your home with the satisfaction of being a DIY homeowner.