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WHAT PEOPLE ARE SAYING

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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Installing fencing can benefit homeowners

Posted on Wednesday, April 24, 2013 at 3:40:07 PM

For any homeowner looking to improve their property, including a residential fence may afford a number of advantages. Installing a stylish barrier with the assistance of home improvement financing can improve individuals' privacy and security, as well as attract potential buyers and bring heightened purchase offers.

Those consumers planning to incorporate a fence on their property can enjoy the following benefits:

Privacy

  • While some municipalities enforce different regulations, most fences on the sides and backsides of properties are allowed to be six-feet tall, which allow homeowners to comfortably spend time outdoors without fear of being watched.
  • Additionally, there is less risk of neighbors being able to see into their homes during the nighttime hours when interior rooms are illuminated.

Security and safety

  • Along with limiting exposure and increasing privacy, fences also act as an effective security measure - keeping both uninvited guests and dangerous animals out of the vicinity of homeowners. 
  • Some properties, like those which include a swimming pool, are required to be enclosed by fencing, to prevent the potential of unsupervised children falling in or domestic pets drowning.

Enhanced aesthetic

  • White picket fences have long been imagined as part of the "American dream," but fencing has grown to include a number of attractive designs and styles using a multitude of different materials.
  • Residential barriers can be constructed to homeowner specifications, and built to match the exterior features of the house. Hedges, trees and other natural features that create a barrier can be considered fences.

Though there are a number of benefits homeowners can enjoy from installing a fence, it is generally a good idea for consumers to discuss the project with neighbors who own adjoining property, as they may be affected by the installation of a barrier. The following issues should be broached before any construction begins:

Property lines

  • During the conceptual stages, accurate property lines should be researched and clearly defined. Original blueprints and measurements should be acquired. This can prevent costly mistakes during installation and mitigate potential confusion and aggravation associated with the placement of the fence. 

Zoning regulations

  • A visit should be made to the local zoning office to obtain the municipality's code early in the planning process. Some areas have certain limitations on home improvements, including height variances and stipulations regarding design. Paying for materials and installation, only to have to remove the fence because of improper placement or extenuating violations can wreak havoc on individuals' bank accounts, as well as relationships with neighbors.
Homeowners who may be unsure of their ability to afford fencing can find the funds necessary through home improvement loans from Home Loan Investment Bank.