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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 can help buyers find homes in ideal neighborhoods

Posted on Wednesday, December 4, 2013 at 1:35:09 PM

According to a recent survey by the National Association of Realtors, homebuyers are just as interested in the neighborhood as they are in each home's specific qualities. Out of all the respondents, 60 percent noted that they would prefer a community with a mix of property types within walking distance.

These elements can drastically alter the price of a home. With affordable residential financing, homebuyers could shop based on preference instead of monetary constraints. Recently, Patrick Deady, vice president of Home Loan Investment Bank, explained several solutions that people could use in order to save money - and still end up with their dream homes.

"Prospective homebuyers can use a few strategies to ensure they can afford a home that meets all their criteria," he said. "Real estate taxes have a large impact on how much a prospective homebuyer can afford - the lower the taxes the more the buyer can afford. Communities and neighborhoods that provide expensive services like sewerage, garbage collection, and school systems with high demand tend to send real estate taxes higher. A borrower will afford less of a home in those cases."

Because of this, homebuyers should prioritize which features are worth buying. Some may not be worth the added costs, once the final numbers are tallied.

"It is important to know what services are important to you so you can maximize your return with regard to your housing and the services your real estate taxes provide," Deady added.

Different homebuyers will have separate needs when it comes to real estate. Each person might see unique virtues in certain properties, and that can change how much a person is willing to spend.

"It is all a matter of personal preference when it comes to home characteristics and prioritizing them," he noted. "For example, if you have only one car and two working folks than you want to be in a neighborhood with easy access to public transit. Prospective buyers should make a list of what their needs are so they can make sure that those needs are kept in mind when identifying their new home."

Picking a community is one of the most important steps in the homebuying process - although not everyone agrees on which features matter. Affordable residential financing can help manage the costs of the entire process, and allow people to choose the right home for them.