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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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One critical home improvement measure for the cold months

Posted on Wednesday, November 30, 2016 at 2:17:07 PM

Winter is right around the corner, meaning that homeowners across the northern parts of the country are getting ready for their own unique styles of hibernation. When the temperatures drop below freezing and the snow and ice begin to pile up outside, there is nothing like having a warm, comfortable home to rest and relax in while escaping the inclement weather. There are plenty of home improvement projects that should be completed as soon as possible to prepare for the season, including winterizing the exterior and interior of the home. 

However, if you want to be sure that you have a perfectly comfortable setting to rest in this winter, you will want to tackle one more projects before closing all of the windows and turning up the heat: Clean out your heating, ventilation and air conditioning systems. 

Air quality is a must
Although HVAC systems will also be active in the summer, it is unlikely that any season will bring to light issues with air quality quite like winter. The Press Enterprise recently reported that many homes across the country are in dire need of some serious improvements and replacements within their HVAC systems, and that failure to embark on these projects can make for a very uncomfortable season. According to the news provider, the U.S. Environmental Protection Agency has long listed indoor air quality as a major public health risk in America, and one that can be intensified by things like household cleaners and candles when ventilation is not functioning properly. 

The source then explained that somewhat simple improvements can make a huge difference, such as hiring a service provider to clear out the vents and ensure that air is circulating throughout the home properly. When ventilation does become an issue, though, the Press Enterprise pointed out that respiratory problems will not be far behind, which is especially troublesome during the winter months when illnesses are on the rise. 

For those homeowners who want to really focus their budgets and efforts on air quality ahead of winter, the website suggested completely replacing antiquated HVAC systems with more modernized versions of the technology. This is a bit more on the expensive end, but will at once bolster the level of comfort you enjoy in your home, improve your health and raise the value of your home when you try to sell it down the road. 

Getting financing
If you do not want to pay for all of the HVAC and home air quality improvement projects up front, consider looking into financing programs that will help you to foot the bill more comfortably. Home improvement loan programs are increasingly accessible and valuable, especially as rates and terms remain in a highly preferable position for applicants. Always consider speaking with a representative from your local bank to better understand not only what your home improvement financing options entail, but also which program will best suit your needs.