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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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High car insurance rates? Blame smartphones

Posted on Wednesday, February 22, 2017 at 11:06:31 AM

Over the past few years, car insurance rates have been steadily climbing in the U.S.: According to CNBC, policy rate prices rose 6 percent year-over-year in April 2016 - the largest year-over-year increase since October 2003. This follows a 5.1 percent increase in February and March of that year.

What's behind this rise in insurance costs? The simple answer is that drivers are increasingly getting into accidents and insurance providers are paying out in record numbers - cutting into the profitability of even established networks and providers. 

"The number of accidents has gone up," Jim Lynch, chief actuary of the Insurance Information Institute, told CNBC. "At the same time, the size of claims settlements has been rising as well, so the industry is kind of getting hit by a double whammy."

Distracted drivers 
?Yet even with this simple answer, there are still questions: Why now, when cars are designed to be safer than they've ever been and seatbelt usuage is at an all time high, is driving more dangerous and accidents more expensive? The answer is the growing threat of distracted driving.

According to the AAA Foundation for Traffic Safety, 87 percent of drivers engaged in at least one risky or unsafe behavior while behind the wheel within the past month. Drilling into the data, this behavior includes historically unsafe activities like while impaired or sleepy, speeding, not obeying traffic signs or stop lights or not wearing a seat belt. But increasingly, the experts are pointing to the dangers of smartphone and device distraction on the roads.

In 2015, a survey by State Farm found that 29 percent of people admitted to accessing the internet while driving and 36 percent admitted to texting. This is likely to be a relatively conservative estimate of the full extent of the issue, since this research relied on self-reporting and many people may not admit to being on devices even if they do. The message from existing data, however, is clear: drivers find it difficult to fully focus on driving and put their phones away.

"Distracted driving was always there, but it just intensified as more applications for the smartphones became available," Bill Caldwell, executive vice president of property and casualty at Horace Mann insurance, told the Wall Street Journal.

More miles, more expensive and more deadly
This data about device usage while driving should also be taken in context with other changes in driving behaviors and accident rates. ValueWalk points to the way that the the U.S. economic recovery and lower gas prices have more drivers on the road, often driving more miles than in previous years. A larger driver population spending more time in cars would proportionally increase the risk of accidents.

"One of the strongest correlations tends to be between the economy and traffic fatalities," Deborah Hersman, president and CEO of the NSC, told Newsweek. "When the economy is doing well and things are growing, we tend to see more fatalities."

As Hersman alludes to, accidents aren't just happening more frequently: They are increasingly serious - even deadly. The National Safety Council reported that 2015 was the deadliest year for drivers since 2007, with nearly 19,000 people killed as a result of motor vehicle accidents between January and June - a 14 percent increase over the same period last year.

Non-deadly but still "serious" injuries - i.e. requiring some form of medical consultation and intervention - rose 30 percent from the previous year as well. These kinds of accidents pose a greater financial risk to insurance providers, given the similarly rising cost of medical treatment. 

"Motor vehicle insurance always seems to be above the normal cost of inflation," Penny Gusner, a consumer analyst at, told CNBC. "The numbers to the payouts are going up. Medical bills seem to be crazy … and the costs especially for bodily injury."

Experts have some hope for the future, pointing to a generational learning curve that may in the end teach new drivers to not focus on their phones while driving. Many are are also talking about the rise of autonomous driving vehicles that may to a varying degree free drivers from having to focus on the road as well.