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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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Popular remodeling projects and their estimated costs

Posted on Thursday, December 6, 2012 at 5:27:47 PM

When it comes to the cost of home repairs and updates, the sky's the limit. Unfortunately for the everyday consumer, the same can't be said about their bank accounts.

Prior to starting a project, there are a number of factors homeowners need to account for, but cost may be the most important. Spending on home remodeling projects is expected to increase more than 16 percent by the middle of 2013, the Harvard Joint Center for Housing Studies reports.

Starting from scratch
Nowadays, many people purchase distressed properties in less-than-perfect condition with the plan to complete a renovation once they move in, but according to Bloomberg News, a total home remodel can cost upward of $190,000, on average.

Although the exact cost will depend on the size of a home and what the owner wants, things can quickly go over budget during the process. In fact, an estimated 55 percent exceed their initial estimates. However, once it's all said and done, a household will have a property to call their very own.

Going for a dip
The prospect of installing a swimming pool may be very appealing to some homeowners, but it's going to cost them a pretty penny. According to the news source, the average cost to install a swimming pool is more than $34,000, but the costs don't stop there.

Installing a swimming pool has some long-term implications, as it can impact a homeowners insurance rates plus they will need to pay for maintenance and upkeep. While the concrete base of a pool will often hold up for more than 25 years, the plaster and tiles than line the interior may need to be replaced in as little as a decade after installation. 

All that and the kitchen sink
Kitchen makeovers are some of the most popular home improvement projects in the country, and they are also some of the most profitable. The average cost to make over a kitchen is $24,766, and a homeowner can expect to recoup between 66 and 72 percent of their investment if they choose to sell.

A new kitchen can greatly contribute to the appeal of a home, as many Americans currently agree it is the most important room in a house. Some people might find it difficult to pay for such a transaction out-of-pocket, but there is where home improvement loans can come in handy.ADNFCR-16001052-ID-800921525-ADNFCR