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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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Mixed results in latest economic research

Posted on Friday, July 29, 2016 at 1:30:55 PM

Several factors have contributed to the historic low mortgage rates seen across the nation, as well as the strong approval percentages on applications for residential financing programs. This includes positive catalysts such as a revitalized economy and higher home values, as well as less-than-savory, international factors such as the United Kingdom's decision to exit the European Union. Right now is still a great time to apply for a mortgage, but some economists are not so sure about how this will all play out past the end of 2016. 

Much like any type of investment in the modern era, timing is everything. Refinancing and new residential loan programs are in a solid position today, and any homeowner who has been considering applying for these products should certainly act soon, as it is difficult to predict how long this current trend will remain with respect to rates, standards and approvals. 

Foggy reports
Bankrate recently broke down two reports - one from the U.S. Department of Commerce and the other from the National Association of Realtors - on second quarter growth across the American economy. According to the news provider, the Department of Commerce's data indicated that gross domestic product expanded at an annual rate of 1.2 percent in the second quarter of this year, very far below the expected 2.6 percent rise so many had forecasted going into the third quarter of 2016. 

Citing the comments of National Association of Realtors chief economist Lawrence Yun, the source pointed out that the economy might not be in the clear quite yet, rather only skimping along. Yun also told Bankrate that the residential investment level dropped 6.1 percent, but that it is important to remember the first quarter's positive performances when looking at this finding. 

"Going forward, GDP should avoid recession for the simple reason that more new homes need to be constructed," Yun affirmed, according to Bankrate. "America is experiencing a housing shortage crisis. More homes need to be built and that in turn will lead to faster economic growth."

Get the right program
Thanks to the positive gains seen in 2014 and 2015, the diversity of programs available to home buyers and those looking to refinance their mortgages is as healthy as it is vast. Consider working with a local bank to evaluate all of the options on the table and land on the best one with respect to unique needs and goals.