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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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Home improvement tips from the professionals

Posted on Thursday, May 5, 2016 at 4:47:59 PM

Although home improvement projects will be commonly launched when owners have a couple extra bucks in their pockets and want to enhance their living spaces, many will be tackled when it comes time to list the house. As many homeowners likely already know from their purchasing experiences, certain simple types of projects can go a long way toward boosting the value - specifically the curbside appeal - of a given property, and sellers need to understand this as well.

In addition to green projects that will increase how much the house sells for on the marketplace, homeowners need to be going through several key improvement projects in the time leading up to the initial listing. When looking for tips on how to increase the final sales price, who would be better to ask than the leading real estate agents in the country?

Real advice recently published a blog post from Jamie Wiebe who listed some of the more prominent home improvement projects owners should consider taking part in before listing their houses, and certainly before the first potential buyer comes to take a look. According to the author, some of the projects are relatively simple, such as taking care of the outside area, ensuring there are not a lot of weeds and that the grounds are as presentable as possible.

Others are a bit more complex. For example, Wiebe stated that hardwood floors are far more attractive to today's buyers than carpet, especially if the carpets are too old and permanently dirty. This particular project would no doubt be expensive, but can pay off dividends when it comes time to sell the home. The author argued that cabinets, doors, windows and fixtures should be evaluated with a fine-toothed comb to ensure that every nook and cranny is prepared for the eyes of a buyer.

Furthermore, updated lighting and paint are always a good idea, Wiebe affirmed.

Getting financed
Home improvement projects can be expensive, especially when there are no plans to put the house on the market for a little while. So these projects might be better financed through loans and other programs. Home improvement financing is growing thanks to a healthier economic landscape, and owners can often get their projects completed a bit more comfortably when using these services. Local community banks are often the best positioned to deliver these loans.