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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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Purchasing pre-owned vehicles may afford consumers numerous financial benefits

Posted on Tuesday, April 9, 2013 at 2:24:49 PM

A recent release from Consumer Reports outlined the best and worst pre-owned vehicles to buy in the coming months. While the organization's picks vary in size, purpose and price, they are all more affordable options than new automobiles.

Because used cars typically cost consumers less money, considerable savings can be realized during transactions, which can possibly be put toward the upgrade to a newer model or luxurious upgrades for pre-owned automobiles. As with any major transaction, however, a large amount of research and rationale is required in order to obtain the best deal.

"You may be able to afford the more luxurious high-end model with all the bells and whistles by purchasing a used vehicle," said Christine Dikdan, auto lending representative for Home Loan Investment Bank. "Do your homework. Research prices and reliability online. Decide on an amount you want to pay on the vehicle and start lower. Also, price shop and negotiate between dealers offering the vehicle you are looking to purchase. Don't be afraid to walk away. Most often, if you have a reasonable offer the dealership will end up contacting you to make the sale."

If consumers have an automobile they are willing to trade in toward the purchase of a different car, Dikdan recommends they first negotiate the price of the vehicle they're purchasing, then discuss trade values. HLIB, a trusted source of automotive and residential lending, offers competitive rates for auto financing on any make and model.

"We finance up to full retail value determined by a NADA or a web based comparable," Dikdan said. "Terms depending on the year of vehicle from 36 months up to 72 months. We also offer financing for motorcycles as well as refinancing of vehicles and motorcycles. Private party sales are welcome and ACH of monthly payment is also available."

All interested parties should contact HLIB to discuss financing opportunities. In addition, dealers looking for new financing options with emphasis on customer service can find information regarding HLIB's innovative Direct Referral Program.