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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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Winter's coming: Make sure your chimney is not in disrepair

Posted on Thursday, November 1, 2012 at 3:56:07 PM

With Thanksgiving and the holiday season just around the corner, countless households will host friends and family to celebrate. To create a warm and welcoming ambiance, some of these homeowners will use their fireplaces to set the tone. However, before you start using your fireplace on a regular basis, it could pay to get it inspected.

After extended use, a fireplace can get clogged with ash and sooth. In contrast, after a period of nonuse, other debris, such as leaves, twigs and even animals can stop up your chimney. Rather than risk a chimney fire, call in a professional to make sure it's ready for use.

Level-one inspection 
When you hire a professional inspector, you have a number of different options, each with their own cost and level of service. The first is a level-one inspection. This option is the simplest and often only entails a visual inspection of the fireplace and chimney without the use of special tools or climbing onto the roof.      

If the inspector notices any debris, they will recommend a sweep and may be able to do it themselves on the spot. However, if they notice any significant damage, they may refer you to someone else.

Level-two inspection
A level-two chimney inspection can be a bit more invasive and is usually necessary after an event, such as an earthquake, tornado or hurricane. In addition, if you made any changes to your fireplace or just purchased a the property, this is also recommended.

In addition to all the components of a level-one inspection, the inspector will also use special tools, such as video scanning, to look for any serious damage.

The inspector will also spend time on the roof and in crawl spaces that make contact with the chimney to look for issues.

Level-three inspection
Level-three chimney inspections are the most intense and subsequently the most expensive. In fact, you may be able to use a home improvement loan to fund this process, especially if any repairs are in need.

The reason a level-three inspection is so expensive is because it is very similar to a remodeling job. It often entail tearing down walls and starting from scratch. Luckily, homeowners may be able to use this opportunity to update their fireplace and chimney which could in turn improve the value of their property.ADNFCR-16001052-ID-800898115-ADNFCR