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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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Home improvement financing can help make the perfect summer renovations

Posted on Tuesday, August 13, 2013 at 3:43:37 PM

Homeowners are always looking for new and exciting upgrades for their properties, but during the summer more people are planning projects than in other months.  

With the help of home improvement financing and warmer weather, this summer has become an ideal time to spruce up the yard or introduce glass elements into a bathroom, according to the 2013 Zillow Digs Summer Home Improvement Trend and Spending Survey

Home Loan Investment Bank's Brian Harvey recommended a few perfect summer renovations a homeowner may consider making. 

"While most home improvements can be executed regardless of the season or location of the home, there are certain projects that lend themselves to the seasons," Harvey explained. "Many home improvement projects can be moisture and temperature sensitive - such as interior and exterior painting, and those projects involving the use of adhesives like flooring and tile. Ideal projects for the summer months typically include updating and upgrading the insulation to your home."

Adding insulation in the right places - such as attics and crawlspaces - can save on the winter's energy bills, according to the Department of Energy. That makes it a smart upgrade before the temperature drops.

"This can be a relatively cost effective improvement, which will help prepare the home for heating efficiency in the fall and winter months," added Harvey.

A homeowner shouldn't spend home improvement financing solely on the interior. Outside a home might need attention, as well. 

"Projects that depend on ground temperature are also better suited to be tackled in the spring and summer," said Harvey. "Installing a fence and rebuilding or adding a deck is better suited as a summer home improvement, because in most areas the ground is frozen and unmanageable to properly install these projects."

Weather can have an effect on even the toughest surfaces, too.

"The same holds true projects involving concrete, mortar or asphalt  - such as foundation repairs, pouring a concrete patio or walkway or an asphalt driveway," Harvey added. "The fall and winter months have the potential to not allow for adequate drying of the materials because the moisture level in the air could be too high."

Great summer renovations are made easier with home improvement financing from HLIB. Making changes when the weather is nice also may affect price, and choosing to do things now can help a homeowner save money.

"Some ordinary home improvement projects such as replacing siding and windows are standard summer projects," said Harvey. "This is peak season for home improvements and it may not be the most cost effective timing for your budget. Because of supply and demand the cost of materials would be expected to be at an annual high, and planning these projects for middle to late spring or early fall might just have a better impact on your bottom line."