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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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Top 2 tips for negotiating with a used car dealer

Posted on Monday, July 30, 2012 at 5:11:48 PM

Often, buying a used car is the economical choice for many Americans. The rapid depreciation in an auto’s value as soon as it drives off the lot makes purchasing a used car the better buy. Consider using auto financing to buy a used vehicle and rake in the financial benefits of an affordable auto.

To better ensure you are getting the best price, consider these negotiating tips:

1. Know the value of your trade in vehicle. Being able to trade a vehicle in for a percentage off the cost of a younger used auto is a great financial boon to many consumers. However, to ensure you get the best deal possible, make sure to research the value of the vehicle.

"If you have a vehicle that you are trading negotiate the price of the vehicle you are looking to purchase first, and then bring up the trade.  Have a book out value (NADA/ Kelly Blue Book) of your trade in vehicle and give them the number you want for it.  Be prepared to walk if the dealer does not meet.  A dealer will usually compromise or meet it if the option is a customer walking out the door," said auto financing expert Christine Dikdan from Home Loan Investment Bank.

2. Research the purchase vehicle. Avoid overpaying for a vehicle by researching the make and model of a car you are considering purchasing. This will also help you negotiate the cost of the vehicle with the dealer so you can try to get it at a decreased price.ADNFCR-16001244-ID-800829934-ADNFCR