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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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The financial side of home improvement

Posted on Monday, September 26, 2016 at 2:25:24 PM

Home improvement projects can be stressful, especially when it comes to funding the upgrades desired and keeping all of the investments within a comfortable budget. Because so many homeowners have embarked on these projects in the past year, one can only hope that families are putting in their due diligence when financing their missions and seeking out loans to lessen the strain of bigger endeavors. 

Solid planning and the right level of attention to detail will go a long way toward not only ensuring you do not spread yourself too thin, but also get the job done on time and within budget. The trick is to really investigate all of the moving parts, potential setbacks and other financial-related matters, all the while shopping for the best deals of contract work and any necessary materials. Then, with the right loan, you will be able to ensure that the project is completed at the lowest price point and get back the highest possible return on investment. 

Getting budget right
Kokomo Perspective recently listed some helpful advice to homeowners who are setting out on bigger projects and want to ensure that they do not go over budget, affirming that research and cost analysis need to be taken seriously before any purchase is made. At the end of the day, it is best to know exactly what the project will entail and how much every piece of the home improvement will cost. 

According to the news provider, homeowners should not only be accounting for the raw, obvious costs of the projects in their initial budget planning, but also set aside enough cash for unforeseen charges. Obviously, if you are embarking on a major project such as adding a new room to your home, building a deck or completely remodeling your kitchen, the chances of having to throw down a bit more money than expected throughout the project will be higher. 

For this reason and many more, you should budget out more than just the minimum perceived cost of the project. You do not want to get halfway through the job and then have to halt it because you do not have enough cash on hand to complete it. Kokomo Perspective added that homeowners might also want to take a more spread-out approach to bigger projects, potentially only taking on certain components over a longer period of time. 

Get financing
Homeowners do not need to break the bank or clear out their savings when taking on an improvement project, and should not today given the competitive lending landscape that has benefited so many individuals in the past couple of years. Instead, consider applying for a loan program that is specifically targeted at home improvement project financing. 

Work with a local, community bank to understand what your options entail and land on the best possible option in accordance with your needs, financial capabilities and goals.