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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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How to cut costs and save money at the pump

Posted on Monday, August 18, 2014 at 9:43:42 AM

Owning and operating a vehicle isn't a minimal expense. However, there are a number of ways in which drivers can keep their costs down. Today, one of the biggest concerns is fluctuating fuel prices, and avoiding pain at the pump can be tough if the right steps aren't taken beforehand. According to Kelley Blue Book, there are plenty of energy-efficient options out there for those looking to save on gas.

Whether you are interested in affordable auto financing and buying a new, energy-efficient vehicle or maximizing your time between fill-ups in your existing ride, figuring out how you can prepare will help you save money in the long run. Recently, Home Loan Investment Bank's Christine Dikdan offered some tips and tricks to cut back on these costly fuel expenses.

"Keeping fuel costs low starts with driving consistently," she explained. "That means no rapid acceleration or sudden braking unless necessary. My son used to drive his truck up large hills while punching the gas until he read the miles-per-gallon at eight, when it normally gets 17."

You can also pay attention to deals in your area. For example, Dikdan pointed out that Cumberland Farms offers a 10 cents reduction per gallon if you used an in-house debit card to make the purchase. At Stop and Shop, you can earn savings via a points system when buying goods in the supermarket. 

"Another avenue is carpooling to work or social events," she added. "Myself - I walk, bike and go rollerblading wherever I can on the weekends to avoid getting in my vehicle, unless it's necessary. The bonus here is savings on gas and vehicle wear and tear. The double bonus is fresh air and fitness for free."

You can also pick out a certain vehicle that suits your gas-saving desires. Dikdan noted that hybrid and electric cars can be a solid option, but plugging in these vehicles to charge brings its own set of expenses. So, make a pros and cons list and determine if these costs outweigh those associated with fuel.

As a final step to cut back on your monthly expenses, you may want to look closer at your insurance policy. While not the best step for everybody, you could reduce your insurance deductible to save money up front. 

"If you are not financing a vehicle - and it is relatively inexpensive - you may consider dropping collision coverage," said Dikdan. "Keep in mind if that insurance claim does happen - you will have to shell out more money. If you are on a very strict monthly budget, this may not be the move for you."

Overall, looking into insurance, auto financing and premiums can open more avenues for cost savings. But, like everything, there are pros and cons, so do your research ahead of time.