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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 changing face of automotive financing

Posted on Tuesday, April 26, 2016 at 2:37:08 PM

The automobile manufacturing and used car industries have been booming in the past few years, much to the delight of economists, consumers and government officials across the United States. However, automotive financing trends are not only moving in a more prolific direction, but a more diverse one as well, as the behaviors of consumers continue to shift in the midst of the economic recovery.

Right now is a good time to get financed on a new or used automobile thanks to low rates and a greater willingness among lenders to disburse funds to consumers than has been seen since before the recession. Thanks to the diversification of the market, applicants will have a range of options available that will fit their specific needs and preferences. 

A look inside
Experian Automotive released the results of a new study that found consumer behaviors are certainly shifting when it comes to financing acquisition, and that it is changing the face of the market itself. For example, the analysts found that 76 percent more leasing contracts have been signed to finance brand new cars, specifically, since the beginning of the recession. This is likely to have an impact on the vehicle sales situation this year, with an estimated 1.8 million automobile leasing agreements coming to a close. 

With such a large volume of vehicles coming back into the market, consumers, dealers and lenders will want to better understand the options available to them so they are able to take action," Experience Senior Director of Automotive Finance Melinda Zabritski explained. "Whether it is deciding to lease again or buy used, restocking inventory or marketing to potential borrowers, gaining insight into these trends will provide the knowledge necessary to make smarter decisions for all parties involved."

The impact of this trend will likely be clearer by the end of this year. 

Lending on the rise
Ward's Auto reported that a survey from Experian found that more than 50 percent of lenders are planning to disburse a higher volume of financing plans and loans to borrowers this year. Another 24.4 percent expected the value to be about the same, while the source noted that the market is expected to exceed $1 trillion this year. 

Local community banks are often more preferable than larger, national ones when trying to get financing for an automobile.