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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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Avoiding issues and loss in home improvement projects

Posted on Tuesday, July 19, 2016 at 11:32:34 AM

Home improvement projects have skyrocketed across the nation of late, and this is generally good news. However, as has been the case so frequently in the past decade, any major trend tends to be accompanied by a rise in relevant scams, fraudulent activity and other issues that can lead to loss, headaches and damages. 

Homeowners need to keep their heads on the swivel, being keen on where they are putting their money, which projects they are launching and who they are contracting to get the job done. With home improvement financing becoming far more accessible and the level of investment going up so quickly, the time is now to understand the threats and risks involved. 

Big scam
The Stamford Advocate recently reported that one woman in the Connecticut town was hit by a relatively massive scam perpetuated by just one alleged assailant. According to the news provider, the Norwalk man who posed as a home improvement professional has been charged with stealing roughly $16,000 from the 83-year-old woman he targeted. 

The alleged scam artist had two accomplices, one of which being his father, and the two are now being charged with second-degree larceny. The source pointed out that the investigator in charge of the case, Paul DeRiu, noted in his affidavit that this is among the more common types of fraud perpetuated, and tends to follow a very distinct pattern. 

Research is key when selecting contractors, regardless of how big or small a project might be. For example, The Stamford Advocate had noted that this all began with a recommendation to repair the garage of the woman's home, which is a relatively small pursuit in the grand scheme of things. With enough research, the right contractors will be hired rather than ones who will either fail to complete the projects or try to steal money from the homeowner. 

Bad work leads to lawsuit
The Columbus Dispatch reported that Ohio's Attorney General Mike DeWine has filed a lawsuit against a home contractor due to consistent issues with the work being done. In some instances, the news provider stated that the contractor simply did not deliver on agreed-upon services, while other projects were done poorly. 

Remember, all it takes is a bit of patience and diligence to ensure those home improvement investments are being put to good use and translate to returns, rather than losses.