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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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Residential financing may help homebuyers in today's housing market

Posted on Wednesday, August 28, 2013 at 1:19:04 PM

As the housing market continues to evolve, changing factors make residential financing that much more important as a tool for buyers to purchase their perfect homes.

Inventories increased in June, marking the sixth month in a row where numbers climbed back toward normal, according to data from In addition, list prices also rose year-over-year, with figures holding more than 5 percent higher than the same time last year. 

While higher prices might mean more listed homes, it also may become a detriment for buyers. However, Patrick Deady, vice president of Home Loan Investment Bank, recently offered some advice for home buyers looking to take advantage of residential financing. 

"Rising real estate prices do make it more difficult to afford homeownership," Deady explained. "In addition, rising interest rates can eliminate some potential borrowers sending inventory even higher."

That shouldn't deter most buyers, and Deady offered several great steps to purchase in today's climate.

"There a few things prospective home buyers can do to prepare for homeownership," Deady added, and to get started borrowers should "prepare a budget which takes into account all of your expenses and determine what a comfortable housing payment will be for you. Take care to include future home maintenance costs."

Planning ahead is key to getting the most out of residential financing.

"Consult with a mortgage professional about your budget and get pre-approved to buy a home," said Deady. "Meet with a real estate professional to determine what type of home and community best suits your needs."

Moreover, inventories and home prices are directly related to buyer confidence, and the more comfortable people feel regarding real estate the stronger the sector may become.

"Consumer confidence is an important component in growing home inventory," stated Deady. "Higher consumer confidence results in greater demand which can counter growing home inventory and balance supply. The result can be more stable housing prices or even lower prices."