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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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How to get the best deal on an automotive loan

Posted on Tuesday, January 24, 2017 at 9:09:18 AM

Consumers might not fully understand just how many things they can do to get the best possible deal on an automotive loan. If you're planning to purchase a vehicle using a financing program this year, you should know how to 'game the system,' so to speak. 

This begins at the point of purchase. First, negotiate the best price for the vehicle you can - the lower the price of the vehicle, the lower amount on the loan.

Then, do your homework. This means researching all lenders that offers loans for the vehicle you are looking to finance, and can be done using several sources including newspapers, websites and phone calls with the auto dealers and lenders directly. If speaking to a financial representative directly, always ask about a rate break for a direct payment, open account relationship, or shorter term program. Asking this question may save you money.

Also important is to disclose the year, make, manufacture and mileage of the vehicle, as some lenders will have restrictions on these matters. It is also important to disclose whether it is a private party sale, as many lenders will not finance such purchases.

Be aware of the 0% offers vs. cash rebate available. Why? Nothing beats 0% of course,  however if your credit is excellent, depending on the amount of cash back being offered and the size of the loan you need to obtain, a cash rebate may very well put more money back into your pocket, providing your credit qualifies for a low rate. Do the math before accepting any offer.

HLIB Auto does not have any restrictions on year, make, manufacturer, or mileage. We also finance motorcycles, RV's, commercial vehicles, and offer private party sales and refinancing.

As always happy and safe driving!