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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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Smart driving, vehicle maintenance can compliment low gas prices

Posted on Tuesday, February 17, 2015 at 1:21:39 PM

It seems that 2015 is off to a strong start, with the auto-sales seasonally adjusted annualized rate forecast hitting 16.6 million new units, according to TrueCar. On a yearly basis, January's total could be up more than 13 percent compared to the same time in 2014. Part of this change is related to a stronger economy, but some growth can be attributed to lower gas prices.

However, Home Loan Investment Bank's Christine Dikdan recommended caution when planning for lower gas prices. The trend is still young, which means the safer bet is to budget for a minimum of $3.50 per gallon. As gas prices dip, those extra savings will be a welcomed addition.

On a large scale, fuel efficiency is important no matter the price of gas. You'll want to shop for a car that is good on gas, even if you secure affordable auto financing rates and a low price. According to Dikdan, the smart move is to drive consistently.

"Driving consistently is a winner - no rapid acceleration or sudden braking unless necessary," she explained. "The newer vehicles have a gauge or a digital reader that indicates fuel efficiency information. I have one of these gauges and I was surprised how much this can affect your miles-per-gallon!" 

Another good idea is to keep your vehicle up-to-date on maintenance. This can prevent problems and improve the efficiency of your vehicle.

"Regular vehicle maintenance, such as oil changes, filters and tire pressure, is also very important," Dikdan pointed out. "There are a lot of pieces under the hood and riding on the pavement that need to play well together for best performance and maximizing MPG."

Don't rely on low gas prices alone to save you money. Drive smart, drive safe and keep your vehicle maintained in order to see those costs continue to decline.