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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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A closer look at the home improvement arena

Posted on Tuesday, May 31, 2016 at 1:19:36 PM

Home improvement projects have been hot throughout the past several years, with more households looking to increase the value of their properties while reducing utility expenditures and improving the quality of life they enjoy. The most common projects right now appear to be those involved in energy efficiency, with solar panel sales and leases expanding extremely rapidly. This push is being largely supported by financing programs to help homeowners reduce their carbon footprints. 

Individuals who are interested in acquiring a loan to specifically get solar panels on their roofs or launch another project to boost their home's energy efficiency can often find them with ease, as so many different programs are now available. Such an investment can often pay off dividends when it comes time to put the house on the market, as it can significantly increase the value of the abode. 

Renovations at large
The Daily Journal reported that more than one-third of homeowners finished at least two improvement projects in the year leading up to a survey, which is about 12 percent higher than the rate recorded in 2015. What's more, homeowners were found to have invested 47 percent more on average into these projects in the past 12 months than the same period of last year, the source explained, with more than three-quarters chipping in at least $1,000. 

Interestingly, the authors of the study found that this is having a strange impact on the housing and lending markets. 

"The bad news is that the resulting situation is making it harder for many would-be buyers to find affordable new homes," they stated, according to the news provider. "The good news is that it's providing homeowners equity that may be leveraged to further boost the enjoyment and monetary values of their existing properties. Consequently, homeowners who would otherwise upgrade to a more desirable home are choosing to stay put and make necessary repairs and improvements."

Finding financing
The Concord Monitor also pointed out that increases in solar panel installations, specifically, can potentially make it more difficult to find a loan from certain banks due to the service models used by providers. 

However, homeowners who are interested in getting a major improvement project underway should consider applying with a local, community bank, as this will often afford them a more personalized approach to a level of service that yields better results.