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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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More buyers enter housing market, aided by affordable residential financing

Posted on Wednesday, September 25, 2013 at 1:35:16 PM

In July, the number of existing-home sales reached its highest point in more than six years, according to the National Association of Realtors. Chief economist Lawrence Yun believes that changing mortgage rates has inspired more people to buy now, and that there is a slightly smaller inventory in some regions.

A number of borrowers are concerned about rising residential financing rates. Preparation is an important step when buying a home, and recently Patrick Deady, vice president of Home Loan Investment Bank, took the time to offer some advice for prospective homebuyers.

"Borrowers should be concerned about rising interest rates," explained Deady. "An increase of 1 percent on a $200,000 mortgage will increase your monthly payment by $140 on a 30-year mortgage. In a competitive market any new buyer and borrower should consult with a mortgage professional and get pre-qualified before conduction a home search."

Residential financing rates have been shifting as of late, although still near historic lows. The changes mean homebuyers should constantly monitor their financial situation.

"Moreover, any borrower who has been pre-qualified should revisit their qualification due to the recent  rise in interest rates," said Deady. "Pre-qualified buyers may want to adjust their target price lower to ensure they are in a comfortable payment range."

For many potential buyers using residential financing, it can be difficult to find the perfect home. However, the opportunity will come, and everyone should be as prepared as possible.

"The key to acquiring the home you want at the price you want is patience," added Deady. "Homebuyers should take their time getting educated on housing availability in their market by doing an extensive home search. Finally, they should work closely with their mortgage professional to ensure the new housing payment will fit within their budget."