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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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More vehicle options mean buyers should take their time at the dealership

Posted on Monday, December 15, 2014 at 9:38:26 AM

New technology is reshaping the automotive industry. According to AutoTrader, consumers have a wide range of options to choose from, including GPS systems, back-up cameras, Bluetooth features and other gadgets. This variety has changed how people shop for a new car.

For some, that can add to the confusion of the auto-buying experience. To help, Home Loan Investment Bank's Christine Dikdan recently offered some advice for prospective consumers.

She explained that no person should rush through the process of buying a vehicle. It requires a lot of time to get it just right.

"I think budgeting should be completed first, in order to determine how much you can afford," Dikdan said. "Secondly, research the vehicles using online pricing comparisons, along with manufacturer and consumer reviews."

The final step is the test drive, she noted, which should only come after you have decided that the vehicle is in your price range and right for you. 

"Hopefully you will decide to sign and drive." added Dikdan. "I will say that in some cases, people go through the first two steps, and then when they test drive the vehicle, it is not what they think it was going to be. Then, they start the process again. Hopefully this will not be you."

The variety afforded at the dealership has consumers wanting more time talking with sales representatives and managers before buying. According to Dikdan, a long time at the dealership is the nature of the industry.

"Dealers are usually more than happy to have you spend more time at the dealership," she pointed out. "Most of the larger dealers, and some of the smaller ones, are trying to make their waiting areas consumer friendly, including comfortable seating options. Many have large screen televisions, some even have impressive vending options. Make no mistake - the dealer will take as much time as necessary and make every effort to help you buy."

Given the plethora of vehicle options, don't be afraid to take your time. Proper research and planning will help you end up with the right choice - and keep your budget whole at the end of the day.