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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 can help owners stay warm this winter

Posted on Monday, December 9, 2013 at 10:25:37 AM

Of the 116 million households in the U.S., 90 percent of them are expected to have higher heating costs this winter than last, according to the U.S. Energy Information Administration. Homes heating with natural gas, propane and electric heat are all expected to see rising expenses, which could add up to thousands of dollars more by the time the season is finished.

Therefore, homeowners may want to consider home improvement financing in order to make cost-effective, energy-saving changes this winter. Recently, Home Loan Investment Bank's Brian Harvey offered some crucial advice for anyone looking to reduce their heating bills during the coldest season of the year.

Harvey noted that energy-efficiency is a hot topic as 2013 winds to its close, and that saving money on heating costs can often be extremely simple and inexpensive by making a few quick changes.

"Install a ceiling fan," he explained. "Ceiling fans help to distribute air throughout the house more evenly and help to keep hot air from rising up and out of the home. Be sure to turn the motor on reverse during the winter to draw air upward instead of pushing it down."

In addition, Harvey added that homeowners should also "turn the heat down at night and when no one is home. Turning the heat down several degrees - to say 60 degrees - will make a big difference. And, by spending a few dollars you can purchase and install a programmable thermostat to avoid having to do it manually."

Home improvement financing doesn't need to be reserved for major expenses, either. There are plenty of smaller changes that can make a big difference, like focusing on windows and doors.

"Drafty windows and doors are one of the main reasons your home loses energy in the colder months," he said. "Many doors and windows go unused during this time and by eliminating their drafts you can greatly increase their energy efficiency. Door and window kits can be purchased at your local hardware store for between $5 and $20 and are easily installed, requiring only a measuring tape, scissors and a hairdryer. Drafty windows and doors can also be combated by inspecting and re-applying the caulking and weather stripping around them, but swapping out your screens and replacing them with storm doors and windows. These can add an inexpensive cost savings insulator as well."  

Missing storm doors and windows can also prove problematic during a sale, Harvey explained. These features can be viewed as more attractive by many potential buyers.

"Storm doors and windows create an air pocket between the two that acts as a fantastic insulator," he added. "If there is not a storm door, they are relatively inexpensive and easily installed with the use of a caulk gun and a cordless screwdriver. It will also give your home more curb appeal and increase the overall value of the home giving you a great return on your investment."

Fortunately a variety of options exist for any homeowner feeling overwhelmed during the winter, like home improvement financing or an energy audit. According to Harvey, these audits have become quite popular, and could provide many ways to maximize a home's energy efficiency. However, they could also lead to bigger, and more expensive, repair projects.

"Inspection of your windows and doors may show you that no measure of winterization would be helpful, and that replacing them may be your best long term option," he noted. "Properly insulating your home will have a large impact in areas such as crawl spaces, attached garages, the attic and above drop ceilings. Your home furnace should also be inspected and regularly maintained.  Changing the furnace air filter will aid in air flow and can greatly improve the effectiveness of your furnace. Annual service appointments can help maximize its efficiency and help curb any major issues before they become a serious problem.  It may also be of long term benefit to update the furnace or to replace the model by converting it to a more efficient fuel source, such as changing from oil burning to natural or propane gas."

Armed with a number of excellent solutions, homeowners can combat winter's dropping temperatures - and rising energy bills - while staying warm and comfortable all season long.