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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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How you can tell if a DIY improvement project is right for you

Posted on Monday, July 14, 2014 at 10:58:15 AM

Home improvement season is finally in full swing. Homeowners across the country are spending money on upgrading their properties, from making key changes to their kitchen to sprucing up the backyard. According to the National Association of Home Builders, the national average spent on renovations for each zip code is expected to be more than $5 million this year.

Overall, this could mean that many homeowners are looking to spend a lot on improvements this summer. If this is the case for you, consider looking into affordable home improvement financing to help cover some of the associated costs. In addition, Home Loan Investment Bank's Randy Stockstill recently offered some valuable advice on whether or not you should do a renovation project on your own.

"When it comes to DIY home improvements, there are many rewards and risks to consider," he explained. "It is important to consider the following factors in deciding to do the work yourself or hire a professional."

For example, Stockstill recommended that you first assess your own skills and motivations. Are you qualified to perform these tasks? Do you even want to? Or, would you rather have a professional tackle it?

"Special consideration should also be taken with certain trades that require licensing - for example, electrical or plumbing - or inherently dangerous situations like roofing," he added. "Money is also another important consideration. As a homeowner, you should be able to get more accomplished doing the work yourself. One thing to keep in mind is the cost of re-doing the work, in case of a mishap the first time around."

Furthermore, you may want to think about the timeline for your project. If you are doing it on your own, make sure you have the energy after your normal work day or on weekends.

"Projects like painting may require to work in stages, spreading out the job over several days," Stockstill noted. "Many homeowners choose to undertake DIY projects over holiday weekends, giving ample time to finish the job. Lastly, consider your tolerance for a dirty home. Home improvements are a messy proposition and it's important to consider whether you can handle a few extra days of mess to save a few dollars doing it yourself."