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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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In focus: Energy-efficient home improvement's benefits

Posted on Wednesday, April 13, 2016 at 1:36:39 PM

Home improvement projects are currently booming, and reaching closer to pre-recession levels at an accelerated pace as a result. This is a strong indication that the housing market is in a stable position, especially as homeowners will now routinely invest in projects to upgrade their abodes when they are not financially solvent. CBS Minnesota reported that 36 million homeowners are looking to improve their houses in the next 12 months through various projects, citing data from Bankrate. 

Interestingly, the source pointed out that a higher percentage of millennial respondents cited plans for these ventures than any other generation. Now, some upgrades and renovations will be obvious in terms of their utility and necessity. However, many homeowners tend to struggle when considering the merits of energy-efficient home improvements, not truly knowing whether the investment is worthy. There are several reasons why eco-friendly upgrades are worth their cost for the average homeowner.

Advantages of green homes
With the world turning toward sustainable farming, manufacturing, energy consumption and beyond, it only makes sense for homeowners to follow suit. Some economists have gone so far as to say that companies that do not focus on becoming more environmentally friendly might go extinct in the next few decades. Homeowners might not be under as big of a squeeze in this regard, but upgrading the home for these projects can certainly pay off when the time comes to sell. 

Here are a few reasons to launch these projects:

  • The Internal Revenues Service notes that substantial tax credits are available for individuals who have energy-efficient homes. 
  • The U.S. Green Building Council estimated that the rate of green building starts as a percentage of total residential construction rose from 2 percent in 2005 to 23 percent in 2013. 
  • Energy-efficient homes can reduce utilities consumption by 30 percent to 60 percent compared to older homes, the USGBC noted. 

Other advantages will be clearer for some homeowners compared to others. 

Comfortable improvements
Some of these upgrades can be expensive, and homeowners might need to acquire financing to make the plans a reality. Smaller community banks will often be better for local homeowners, as they add a personal touch. Additionally, energy-efficient improvement loan programs are available thanks to the increased demand for sustainable buildings. The average homeowner can likely benefit from a review of eco-friendly upgrade options for their houses.