Access ID:


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.

Facebook  Twitter

Rising income levels could yield additional home improvement projects in 2013

Posted on Friday, January 4, 2013 at 1:58:49 PM

Nationwide personal income levels continued to increase in October, as a greater number of households found their financial footing. This could result in additional spending in the near future on major investments, such as home improvement projects.

During the month of October, personal income levels edged 0.1 percent higher, according to data from the Department of Labor. Although this may seem like a marginal change, it equaled an estimated $400 million, which could provide the needed funds to complete property repairs and updates in 2013.  

"After a bit a research I found an interesting article published by the Dayton Daily News regarding a consumer survey of the Midwest market that showed more residents planning home improvement projects for 2013 along with increased spending on vacations and holiday budgets," said home improvement lending expert Brian Harvey. "The survey results state that 52 percent of homeowners plan 2013 home improvement projects with the majority paid for in cash - up from 37 percent who completed home improvement projects in 2012. Though the survey does not indicate what percent of the market share that will be paying cash versus those seeking financing for their home improvements the anticipated 15 percent increase in home improvement projects on a whole is a promising indication of consumer confidence both in the economy and the individual financial footing of homeowners. This upswing in consumer confidence and spending will naturally affect all facets of the home improvement industry including lending."

Home improvement professionals should taking the coming months to start preparing for a busy spring and summer season.ADNFCR-16001244-ID-800939588-ADNFCR