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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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How to take advantage of low rates this winter

Posted on Monday, October 26, 2015 at 10:48:50 AM

Toward the end of the year buyer competition for homes tends to slow down a bit, and that, in combination with affordable interest rates, can create opportunities for homebuyers.

For some time the average 30-year mortgage rate has hovered below 4 percent - on October 15 it was 3.82 percent - making this sort of residential financing relatively affordable. These low rates leave homebuyers in a good place this winter.

"Potential homebuyers are positioned well this winter," explained Patrick Deady, vice president for Home Loan Investment Bank's residential mortgage division. "They can take advantage of the low rates which are forecasted through the year's end and less buyer competition in the slower fall and winter real estate seasons by getting pre-qualified now."

Deady noted that to make the most out of this ideal buyers' climate, interested individuals will first have to collect a number of financial documents, including:

  • Last two years' tax returns.
  • Last two years' W-2s.
  • Two most recent pay stubs.
  • Bank statements from last two months.
  • The most current asset statements for any other funds used for the purchase.

"Once these items are gathered the potential homebuyer should set up an appointment to be pre-qualified by a mortgage professional," Deady said. "With your pre-qualification in hand you are ready to work with a real estate professional to take advantage of low rates and reduced competition. Ask your mortgage professional for a referral for a competent agent to find a home."