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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 remodeling spending expected to increase in the near future

Posted on Monday, November 12, 2012 at 2:45:48 PM

Spending on home remodeling is expected to surge in the coming months, which could be another indicator that the housing market recovery is well underway.

Due to rising home sales and mortgage rates hovering near all-time lows, spending could increase significantly during the remainder of 2012 and through the first half of next year, according to a report from the Joint Center for Housing Studies at Harvard University. 

"Strong growth in sales of existing homes and housing starts, coupled with historically low financing costs, have typically been associated with an upturn in home remodeling activity some months later," said Kermit Baker, director of the Remodeling Futures Program at the Joint Center. "While the housing market has faced some unique challenges in recent years, this combination is expected to produce a favorable outlook for home improvement spending over the coming months."

Remodeling spending is projected to exceed $120.7 billion during the fourth quarter, the report said. Spending projections are even higher for next year, as the Center predicts $128.8 billion and $134.2 billion will be spent during the first and second quarters, respectively, of 2013. If the expected spending rate by the middle of 2013 proves to be true, this would mark a 16.6 percent increase from the previous quarter.

Projects not necessarily worth the investment  
According to U.S. News and World Report, if you ever plan to sell your property, there are a handful of home improvement projects not worth the investment.

For example, homeowners who construct home offices often only make back half of what they put into it. In this day and age, with wireless internet and laptops, home-based workers may be better off settling down at a dining room table instead.

While bathroom remodels can recoup a significant amount of money on the investment, adding an additional bathroom is often an expensive task where the costs outweigh the benefits, says the news source. From this project, you can expect to recoup an estimated 60 percent on your investment, according to Remodeling magazine's most recent Cost vs. Value Report. Although this can make a property more comfortable, especially for a growing household, if you expect to sell your home in the near future, you may want to avoid this project.ADNFCR-16001052-ID-800904125-ADNFCR