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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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What factors impact your car insurance rate?

Posted on Wednesday, March 1, 2017 at 9:56:56 AM

Car value is just one of the many factors that can affect your auto insurance rates. Obviously the more valuable the vehicle is deemed the more expensive it can be to insure.

Other major factors that have impact on your insurance rates are:

1. Age and gender
While I personally am hoping this goes away soon, in meantime, insurance companies have the data to back up the higher insurance rates for young people and males.

2. Marital status
Another one I hope goes away, but again: Insurance companies have crunched the numbers and found married people have fewer accidents and claims, therefore lower rates are generally offered.

3. Where you live
Vehicles are generally more expensive to insure in populated areas. 

4. Credit score
Not all companies use credit score as a determining factor, but it is still very common. The lower the credit score, the higher the insurance rate. To avoid paying an arm and a leg, do your best pay all bills on time. This should also help you get lower interest rates for a variety of loans.

5. Profession
If you use your car for work, the vehicle is assumed to be used more. This increases your chances of having an accident, which raises your insurance rates.

6. Vehicle Safety Rating            
Simply put: The higher the safety rating, the cheaper a car is to insure. 

7. Size of Vehicle/Engine          
Larger cars are generally rated as safer, therefore usually have lower rates. However, bigger isn't always better when it comes to insurance: Larger engines are general faster and more powerful, which can lead to higher rates. 

8. Age of Vehicle           
A newer the vehicle is generally a higher cost to insure. 

9. Likelihood of Theft    
When I found this one out, I was miffed: If your car is on the top 10 theft target list, there can be a major price difference for insurance! I did not research this before selecting my vehicle and could not believe how much higher it is to insure a car on the list.

10. Driving record            
This one speaks for itself: If you have a long, not so solid driving record, you'll pay more in insurance. It pays to obey the rules of the road and drive proactively, safely, and not distracted.

As always, happy and safe driving!