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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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Taking the safe approach to home improvement

Posted on Thursday, December 15, 2016 at 3:30:23 PM

Home improvement projects need to be handled with care. Considering the fact that these pursuits are meant to increase the value of the house, improve living conditions and ensure the structure's integrity, homeowners must be intelligent when deciding how to proceed with a project. One of the primary matters that must be reconciled before the first dollar is spent is whether a contractor is necessary to get the job done. Certain projects will be more obvious with respect to this decision. 

Maximizing safety
KYMA, an ABC News affiliate, recently listed some of the projects that truly demand professional contractors and service providers, noting that the do-it-yourself craze can be fun, but must be curtailed when it comes time to tackle bigger jobs. For example, the news source stated that any and all projects that will have any impact on the home's structure, from removing a wall to creating a new addition and everything in between, should always be handled by contractors due to the risks involved. If homeowners try to do these tasks by themselves, they could end up messing with their plumbing and electricity in a very dangerous fashion. 

According to KYMA, this means that electric-based projects should also be carried out by contractors with the proper certifications, and that any sort of large plumbing issue - anything past a simple leak or clog - should never be reconciled by a homeowner who does not possess the right skills and training. Furthermore, the news provider stated that projects related to repairing the roof or getting rid of unwanted trees and branches are two common lines of projects that many homeowners will think are fine to do themselves, but this is simply not true.

The news source stated there are plenty of hazards involved in both roof repairs and the eradication of trees, including the prospect of not handling it properly and the project turning into a financial risk rather than a rewarding upgrade. As such, homeowners are advised to always make the smart and safe decision when choosing whether to DIY or hire a contractor, taking into account all of the dangers involved in each pursuit to decide the best approach. 

The financial question
Generally speaking, home improvement projects that require contractors and professional service providers will tend to be the most expensive ones of all. At the same time, homeowners might not want to pay the total cost up front, as this could potentially stretch them very thin and even have a negative impact on the speed with which the projects are completed. 

Rather than strapping the bank account, homeowners who find themselves in this position should head over to their local bank and speak to an agent about the home improvement financing programs available. This can make for a smoother process of funding and completing projects, all the while reducing the amount of financial strain placed on the homeowner.