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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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Why finance solar home improvements in 2017?

Posted on Tuesday, January 17, 2017 at 4:44:21 PM

There is currently a renewable energy movement across the United States and solar is front and center. Solar is a great value-adding product and one that offers many tax incentives, rebates, and finance options. Home Loan Bank is a nationwide leader in home improvement lending with energy-efficient improvements and renewable energy projects forming a cornerstone of its portfolio. 

Solar-specific projects are forever on the rise and are popular because they add value to your home and reduce energy bills to zero in most cases. When you finance your solar project, you are trading for one fixed monthly payment until the loan is paid off and you alleviate the worry and concern of a fluctuating monthly electric bill.

Taking steps to make your home energy efficient affords a peace of mind for many years to come. It is an initiative to reduce your carbon footprint, obtain solvency with your utility bill and take advantage of the potential earned income in the future. Renewable energy is an investment in your home and in your future. Personally, I have solar panels installed on my home and I can tell you that my family really enjoys the true benefits it brings. 

I did finance the project and I have a fixed monthly payment for my electric bill which allows me to better set a budget and manage my family's other expenses. In almost every state there are many incentives that go along with putting solar on your home. One of the most influential is the federal tax rebate. We received just about 30 percent of the system's cost back in the form of rebates.

You may ask what I did with those funds. I was able to apply that portion to the principal balance of my loan and then re-amortize the balance reducing my minimum payment to a point where I will have matched or even reduced my prior utility payment. There are also incentives from the electric company for producing more energy than we consume.  The electric company will buy the surplus of energy creating a monthly cash flow that did not exist prior. Renewable energy truly does have its benefits and they are not only to the environment. 

The only thing I wish I was guaranteed is that every day would be a sunny day!