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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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A number of home improvements can heighten a property's price, buyer interest

Posted on Friday, May 3, 2013 at 9:32:13 AM

Because May is National Home Remodeling Month, a number of property owners across America may be contemplating making a large change to their house. Aside from increasing an individual's personal satisfaction with a living space, home improvement projects such as updating an existing room, remodeling unused space or building an addition, can bring heightened resale values and buyer interest.

As consumers begin to plan for modifications, it is important they consider the entire scope of work, and decide what outcome they would enjoy most.

"Each of these projects would pose a benefit to a homeowner," said Brian Harvey, home improvement lending representative at Home Loan Investment Bank. "The question would be the homeowner's goal - are they looking to change or update the flow of a room or to change the aesthetics of a room? If so, than updating an existing room would make sense. Minor changes and improvements such as painting, flooring, or knocking down a wall to open a space can be cost effective and add curb appeal to a home but these project will not necessarily impact the value of the home. Remodeling an unused space or building an addition will increase the living space of the home which will naturally add to the value of a property."

Typically, the larger the size of a residential improvement - the more value it could add to a property. Therefore, homeowners may want to consider obtaining home improvement loans.

"The scale to which these projects are done and the initial cost will directly affect the return on the investment," Harvey said "Additions by nature are a lot more invasive and carry a higher cost. The best money spent would be to remodel unused space such as finishing a basement or attic space. The main components to the room such as the walls, floor, and roof/ceiling are already intact allowing for a reduction in the cost to remodel and unused space versus adding on to the existing home."

Those individuals interested in acquiring home improvement financing can find a wide variety of opportunities with HLIB, a trusted lender which has helped thousands of homeowners during its years in operation.