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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 begin a home improvement project

Posted on Monday, March 14, 2016 at 10:27:57 AM

Home improvement projects were seemingly bigger than ever before in 2015. Both do-it-yourselfers and renovation professionals were hard at work remodeling kitchens, installing new roofing and completing the variety of other projects that proved so popular last year.

Homeowners looking to dive into improvement projects in 2016 are probably excited to get started, but there are a few steps to take before any of the real work begins.

Antonio Barros of Home Loan Investment Bank recommended that homeowners first carefully assess their current residence. Put together a list of both the good and the bad features. When you decide which project will take priority - whether it's a room addition or an open floor plan - it's time to bring in the professionals who will provide guidance on the physical structure of the home and the ability to make certain changes. Many home renovations require you to comply with local building and zoning laws.

"Go to your local city hall and inquire about what permits or building laws you will need to comply with to avoid delays in the home improvement project," said Barros. "I would welcome the expertise of a designer, architect or licensed general contractor to provide advice on any structural and styling perspectives and help prioritize your list of home improvement ideas."

Before any renovations are made, homeowners need to get multiple quotes and find a contractor/builder they can trust. Barros suggested the Better Business Bureau's website as a research tool for selecting reliable contractors and avoiding common problems associated with improvement projects. Once the legwork is done, you can relax a little. 

"If the builder is managing the project for you, it's up to the builder to subcontract some of the work that may require a licensed professional (electrician, plumber and other trades)," said Barros. 

Careful preparation ahead of time is essential to using your home improvement financing effectively. 

"Most renovations tend to go over budget due to poor planning," Barros warned. "Make sure that you have reviewed all the options with your spouse or significant other to avoid fixing problems in the middle of the project. And remember, the more experts you speak to or research on the web, the better chance to complete the project on time and on BUDGET!"