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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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Home improvement financing ideal for fall renovations, winter preparations

Posted on Thursday, October 10, 2013 at 12:56:23 PM

As the weather changes, so too should homeowners' improvement preferences. The fall is a great time to do many things, but certain projects are better left for other seasons, according to New Jersey-based newspaper the Suburban. For example, a roof repair and window work are good fall renovations.

Additionally, home improvement financing can introduce a number of options for renovations at any time during the year. Recently, Home Loan Investment Bank's Brian Harvey took the time to offer up some advice for prospective remodelers. While the fall is a great time for upgrades, some improvements provide a better return on their investment than others.

"There are many upgrades and improvements that can be done to help maximize a homeowner's return on investment," said Harvey. "With resale as the goal, curb appeal and first impressions are enormously important. Simple and inexpensive maintenance and upgrades such as a new mailbox, shutters, gutters downspouts and landscaping can transform the sell-ability of a home. Larger ticket items such as exterior paint, siding, replacement windows and roofing will cost more but they will invite a prospective buyer to inquire further. A poorly maintained exterior will prompt a buyer to question how well the interior has been kept up as well."

While the outside can be the first place many people may start to spend their home improvement financing, the inside of the house shouldn't be neglected, either.

"Interior renovations can also contribute to the resale value of a home," explained Harvey. "While most project costs will not be fully realized at the time of the resale, they can both entice a prospective buyer and improve the livability of the home while you remain there.

"Most new homeowners look first at the quality of the kitchen and bathrooms and the quantity of living space," Harvey added. "While heavily considering these amenities they are typically not looking to purchase a home requiring any major renovations or upgrades. When considering improvements to a kitchen or bathroom it is important to keep 'artistic' choices to a minimum. What one may consider stylish the next person may not. Select neutral colors and designs that allow for the room's artistic design to be easily manipulated with inexpensive accessories such as door knobs, hardware, light fixtures, faucets, and window treatments. It is also very important to not price yourself out of the home by overspending on renovations. A home worth $100,000 in a neighborhood with other homes valued at the same price will not result in a profit on $100,000 of renovations."

The fall can be a beautiful time for a number of uniquely seasonal reasons, although the changes also mean that winter isn't far off. Therefore, owners may want to focus some home improvement financing for winter preparations.

"When you are a homeowner in a cold weather climate home improvements and home maintenance becomes a necessity," said Harvey. "Energy efficiency is on most home owner's minds at this time of year and there a some simple and inexpensive projects that can be done to help minimize heat loss and maximize your home's energy efficiency - which will ultimately save you money. Converting from a wood burning to a gas fireplace can help considerably as wood burning fireplaces tend to lose more energy than they produce. Also, you may want to consider their detraction of the air quality of your home and the environment. Window maintenance is also vital as 10 percent of all lost energy from a home is through inefficient windows. Thoroughly washing the windows gives you the opportunity to check for cracks, drafts, and damaged caulking and weather stripping. Other low coast preventative measures include adding insulation to attics and crawl spaces, plugging air leaks around pipes and conduit, and protecting pipes from freezing by wrapping them in foam tubing for insulation."

The fall can become the perfect time for any renovations with home improvement financing. Anyone looking for some inspiration could also attend the 2013 Remodeling Show and Deck Expo at the Lakeside Center at McCormick Place in Chicago, from Oct. 17 - 18. Home Loan Investment Bank's improvement experts will be there in booth 1235, available to answer any questions about financing and renovations.