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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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4 home improvement projects to tackle this February

Posted on Wednesday, February 1, 2017 at 1:18:59 PM

The brutal cold and wintry precipitation can make it very difficult for homeowners to tackle necessary upgrades and improvements in winter. However, there is no reason to completely halt all projects just because the weather outside is a bit frightful. There are quite a few home improvement projects - both do-it-yourself and contractor-assisted - that can be launched and completed in the colder months. 

Keep in mind here that these projects can keep you busy when you are stuck in the house due to inclement conditions. Let's take a look at some of the home improvement projects that you should consider taking care of this winter. 

1. Finish the basement or attic
Since you will not need to go outside much, launching a basement and attic refinishing project is perfect for winter. There are a few different approaches you can take that depend upon what condition these areas of the home are in currently. For example, if you need plumbing, walls and other major additions, then you should bring in a contractor. On the other hand, as Proud Green Home notes, you can begin to furnish it, paint, switch up the lay out and other activities the whole family can participate in when the weather is not looking so great. Then, once the warmth comes back, you will be ready to tackle outside projects. 

2. Inside winterization
You can immediately begin to enjoy some more comfortable and affordable environments in your own house this winter by launching projects that focus upon energy efficiency. One example would be changing out all of your traditional appliances with ones that are more eco-friendly, or even replacing a decades-old furnace with the most modern equipment. According to Money Crashers, winter is also a great time to add some insulation to the house, which will cut down on utilities bills and improve the overall coziness of your house, making the season a bit less oppressive in the process. 

3. Take a look at your plumbing
Sure, there are plenty components of your home's plumbing that are outside and need to be cared for by qualified maintenance professionals. However, all of those pipes that are in your home might need some TLC this winter, and you and your family can likely take care of at least some of the projects. Harry Helmet affirmed that the winter is the toughest time of the year for pipes, and homeowners should be looking for cracks and leaks whenever possible, then work to ensure that the entirety of the plumbing system is properly insulated and protected against the elements. 

4. Simple kitchen upgrades
A full-on kitchen remodeling project might not be the best idea for winter, as these can take a long period of time to complete and will generally demand plenty of contractors coming in and out of the house. However, Penn Live suggested that homeowners consider tackling a few relatively affordable upgrade projects for their kitchens this winter, including adding a backsplash, re-tiling the floor and potentially upgrading the furniture throughout. Given the fact that these projects are simple, they can be great activities for the whole family to enjoy on those especially snowy, cold days this season. 

Consider financing
If you choose to launch a more expensive home improvement project this winter, do not forget that financing programs are available to help you foot the bill and make it happen. Speak to a representative from your local bank about the home improvement loan options available today, as well as which one will best-suit your funding needs.