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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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American car industry looking strong

Posted on Sunday, August 28, 2016 at 9:37:36 PM

The automotive sector is one of the more important areas of the economy in the United States for a range of reasons - and this includes virtually every sub-segment therein. From automotive financing approvals and manufacturer productivity to sales and beyond, telling insights can be garnered from the health of the country's car-related industries. There has been some concern regarding the state of automotive financing, with some types of lenders making risky calls. However, consumers can avoid the headaches involved by working with local banks to find the right loan. 

Sales, both from dealerships and manufacturing, are critically important to the U.S. economy. Luckily, the news has been consistently positive across all areas of the automotive sector for years now, and one of the more important components is looking increasingly healthy going into the final months of the year. 

Ending the year on a positive note
Edmunds recently reported that a new record in automotive sales is likely to be set in 2016, and that August will likely show a 1.1 percent rise in purchases compared to the month prior. Although this past season has not necessarily been the most impressive in the past few years, there is still plenty to celebrate when looking at the year as a whole. 

"The summer isn't delivering explosive sales like we saw last year, but the industry is still on pace to set an annual sales record," Edmunds Executive Director of Industry Analysis Jessica Caldwell affirmed. "Automakers have done a good job this year of staying disciplined and managing their inventories. With volumes at record highs, they can focus even more attention on battles for market share."

Notably, the news provider pointed out that the most prolific period for automotive sales of the year tends to take place on Labor Day, which also marks the end of the season. One can only expect sales to spike this year as well. 

Financing options are vast
Consumers looking to get financed for a car purchase are being greeted by an ever-expanding universe of options and, while this is certainly a good thing, it can be somewhat difficult to identify the right one in accordance with their budgets and goals. Always consider working with a local, community bank to assess the situation and land on the best possible deal on an automotive loan.