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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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Remodeling activity could fluctuate, improved customer service can bolster local businesses

Posted on Monday, May 12, 2014 at 2:38:21 PM

The last few months have experienced strong gains in home remodeling interest, according to the Leading Indicator of Remodeling Activity released by the Joint Center for Housing Studies of Harvard University. However, momentum is expected to slow down toward the end of 2014, returning to normal levels last noted prior to the Great Recession. If you work closely with homeowners interested in spending home improvement financing over the next several months, this could impact your business.

In order to ensure you get the most out of each new client, Home Loan Investment Banks' Brian Harvey recently took the time to provide some insights into the remodeling and customer service process.

"Many homeowners seek home improvements without a great knowledge of the projects they are pursuing," he explained. "Understanding your customers' expectations and building their confidence is a great opportunity to earn their trust and their business."

For example, Harvey noted several occasions during the consultation when you can educate and inform your customer. These include offering a sample schedule of when the project will start, stating early on how long it will take and setting a completion date. Any resources and sample materials will also prove helpful, such as literature and online links.  

"Show your knowledge by taking the time to explain the differences in materials and techniques and provide comparisons to previous projects similar to theirs that you have completed," Harvey stated. "And, based on your experience, review why you are providing those recommendations. By setting a customer's expectations high and then exceeding those expectations you can earn more business from them and employ them in recruiting additional business. Employing past customers for testimonials for your website and portfolio is a valuable tool for showcasing your work. Do not hesitate to ask for referrals from their friends, neighbors, family members and co-workers."

When targeting marketing toward clients with home improvement financing to use, don't forget about word of mouth advertising. Harvey recommended registering with Yelp and Angie's List, as well as other similar sites.

"Long term success is not built on selling one job at a time, but by developing a rapport with your existing client base so that when they need that next project done or they get asked for a recommendation you and your company are the first they think of," he concluded.