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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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The following types of home improvements will help make your home more energy efficient so you can save money.


Insulation helps regulate the transfer of heat from your home to the outside. With proper insulation levels, your home will stay cooler when it's hot outside and warmer when the weather turns cold. Your heating and cooling systems will have to work less, and you'll spend less money on gas, electricity, or oil.

The easiest and most effective place to add insulation is in the attic. Before installing, determine what type of insulation is already present. The most common types are fiberglass, cellulose, rigid foam, rock wool and spray foam. Visit the EnergyStar site for a list of recommended insulation levels. Insulation is most efficient when air is not moving around it, so before installing more insulation, make sure you seal any air leaks.


Weatherproofing your home is also an easy upgrade that can make a big difference in your heating and cooling bills. Fix and seal holes, put new weather stripping on all outside doors, caulk pipes and wires and make sure your windows are properly sealed. These little items can add up to big savings.

New Windows

While a more major investment, new windows can dramatically lower your energy bills while also making your home look better. And according to Remodeling magazine's 2004 Cost vs. Value report, new windows recoup approximately 80% of their cost if you ever sell your home.

Energy-Efficient Appliances

Refrigerators, clothes dryers and washers, furnaces, water heaters and dishwashers are all appliances that can add up to lots of money on your energy bill if they aren't efficient. If you are considering replacing any appliances, check the energy rating. The least expensive refrigerator may actually cost more over time than a mid-priced energy-efficient model.

Small Changes, Big Savings

Even little upgrades, including high-efficiency showerheads, faucet aerators, fluorescent light bulbs and low water toilets can make a big difference in your monthly home-related bills.