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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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Should American homeowners fear Brexit's impact?

Posted on Tuesday, June 28, 2016 at 1:31:25 PM

In one of the more shocking moves of the past decade, the United Kingdom voted in favor of a referendum to leave the European Union this June, which is being referred to as the "Brexit." The economic impact of this event was almost instant both in the U.K. and in the United States, with the Pound dropping to a 30-year low over night and the American stock market falling at the fastest rate in months the day after the Brexit vote. 

American homeowners and those who are looking to finance and purchase a new house will need to keep several matters in mind to ensure that the Brexit does not translate to a major financial risk for themselves. In certain markets, some analysts are already beginning to put in their two cents regarding the residential real estate landscape in the wake of Brexit, including New York. 

Investments to rise?
Observer recently reported that many analysts are taking an unexpected angle on real estate forecasts in New York City following the Brexit, arguing that the market is likely to be positively impacted by the event. Interestingly, this would not be only seen in New York, but rather the residential real estate market at large across the nation. According to the news provider, experts cite the fact that real estate is among the safest investments around, especially during global economic turbulence, meaning that many individuals are likely to purchase. 

At the same time, prospective home buyers will need to remember that, should this play out, values will rise and the market will become more of a seller's territory. This could impact the bottom line on financing programs. However, this also indicates that right now might be the best time to purchase a new property. Observer added that interest rates are likely to remain at historic lows thanks to Brexit. 

Getting the right loan
Regardless of where buyers might be looking to purchase a home or which purposes they might have for doing so, the only way to maximize the return on investment is to go about the financing process properly. By working with local, community banks to identify the financing program of choice and finalize the application, purchasers can get a more specialized and personal level of support from their financial institutions compared to larger enterprise banks.