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WHAT PEOPLE ARE SAYING

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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Rising demand no reason to put off car purchase

Posted on Monday, September 21, 2015 at 4:05:30 PM

Many people are reentering the auto market after having spent years on the sidelines following the recession, and as a result of the increase in demand, average sale prices for vehicles are also on their way up.

The increasing cost of a car is in part due to the fact that, with gasoline prices as low as they have been, people are purchasing pickups and SUVs at rates not seen in a long time. However, the demand in this area in particular doesn't mean that people should avoid larger vehicles, as long as they can afford them. 

"My opinion on this would be only if they can't afford what they want to buy," explained Christine Dikdan, AVP of auto lending services at Home Loan Investment Bank. "A detailed budget should help determine this. Most likely this will not be your last car purchase. If you can afford your first choice, and that is what you would like to drive - why not?" 

Another reason why car prices are going up is because people need to replace their vehicles after spending so long waiting while money was tight. Demand for vehicles isn't slowing down anytime soon as more people decide the time has come to replace their cars. For this reason, people shouldn't put off purchasing a vehicle in hopes that the auto market will cool off, because who knows when that will happen? Instead, it is important to simply be smart about seeking auto financing and buying a car. 

"Eventually vehicles become too frustrating and costly to repair and an upgrade is necessary," Dikdan said. "Also, vehicles get in accidents daily and must be replaced. Bottom line ... life goes on and the circle starts again. The end of a month and especially the end of the year is usually a good time to purchase. Car dealerships have goals and they are usually more flexible with pricing at month-end and year-end. Life is expensive."