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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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Necessary versus valuable home improvement projects

Posted on Thursday, December 8, 2016 at 5:10:18 PM

Some home improvement projects need to take place to ensure that the house is comfortable, safe and warm, while others will be a bit more focused on boosting the overall value of the abode, especially when there is a plan to put it on the market for sale in the near future. Let's take a look at some of the improvements you should complete just to make your home more comfortable and stable, and then review those that can provide some serious returns on investment down the road. 

Get it done
Bob Vila's website recently published a blog post from contributor Manassa Reddigari?, who outlined some of the winter projects that really need to be taken care of soon should families want to have a happy, warm and safe season. She started with heating, ventilation and air conditioning systems, pointing out that air quality and energy efficiency can both be dramatically hindered when homeowners do not service their HVAC routinely. 

Of the tasks that need to be tackled to ensure that these systems are properly functioning, Reddigari urged homeowners to get their furnaces serviced - which can also help to ensure this very expensive hardware lasts longer. What's more, a well-serviced furnace can also dramatically reduce energy costs during the winter. Should the furnace be several decades old, homeowners might want to consider replacing them altogether, which would certainly have a positive impact on the home's value as well. 

Boosting curb appeal
HGTV published its rankings of the most valuable home improvements, asserting that the returns on investment for these projects will generally be the highest when it comes time to sell the house. According to the website, bathroom remodel projects can fetch 102 percent ROI for a homeowner, even if the tasks completed are relatively rudimentary, while bigger kitchen remodeling efforts will tend to offer a 91 percent ROI. However, HGTV stressed the importance of controlling the costs of completing the project to get the strongest returns, as flippant management of expenses will not put homeowners into the driver's seat with respect to selling their houses. 

Finally, the website pointed out that the exterior improvements that can be tackled once the snow thaws are great ways to increase the value of the house, and tend to be more affordable. With an estimated ROI of 90 percent, but costs potentially being very low, decks and other outdoor environment additions should be considered by any homeowner as a potential improvement, whether they are looking to sell the house or not. 

Getting financed
If you do wish to complete one of these more expensive home improvement projects either for your own comfort or to increase the value of your house, you should consider looking into financing programs to soften the financial burden involved. Speak to a representative from your local bank regarding the types of home improvement financing programs available today, and ask for guidance to ensure you choose the one that is best-suited to your unique needs and goals.