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WHAT PEOPLE ARE SAYING

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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With affordable auto financing, buyers can capitalize on hot vehicle market

Posted on Monday, January 20, 2014 at 8:55:50 AM

Some new cars are flying off the lot, according to Edmunds.com. The average amount of time a new car sat in November was 59 days, but a few makes clocked in a lot quicker than that. The 2014 Land Rover Range Rover was the fastest selling, at nine days, followed by the Chevrolet Corvette and the Jeep Cherokee.

With an auto market this hot, buyers will have to be prepared well before ever setting foot in a dealership. Recently, Christine Dikdan, of Home Loan Investment Bank, took the time to explain a few tips and tricks for anyone interested in a new vehicle this year. 

For example, Dikdan recommended that buyers "research media, then shop and compare dealers for best pricing and incentives." She added that "incentives can include special financing rates and terms, vehicle upgrades, or both. Pick what is right for you. My best advise is always to select the vehicle you want, then go compare the similar late model in the certified pre-owned or used lot. You will usually get a much bigger bang for your buck purchasing used. The smaller the dealership, the smaller the overhead - and that means more negotiating power on price. We are moving into 'Dealer Christmas,' where many are looking to upgrade or purchase using a tax refund or holiday cash."

Many buyers may be wondering how much they can truly afford. One key step is auto financing, but there are other complementary methods to purchasing a new vehicle. 

"Financial discipline is easier said than done," she explained. "Things always come up and life is expensive. The best way is to budget monthly and stick to it. Automatic withdrawal of a set amount into a separate account that is payroll deducted is a good option. Out of sight out of mind. When you need the funds you may be surprised at how quickly that account accumulates."

In order to get the most out of auto financing, buyers should focus on what they really want out of a vehicle. According to Dikdan, an easy way to do this is with a list. What is absolutely necessary should go at the top, followed by what is desired, then what can be lived without. These elements will all factor into price, and could help any buyer drive off the lot in their dream car.