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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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Shopping for a fuel-efficient used car

Posted on Friday, November 2, 2012 at 4:11:04 PM

Consumers on the market to purchase a car may want to consider buying vehicles secondhand. Used car financing may be utilized to complete the transaction and can be more affordable than buying a new automobile.

However, before a buyer settles on a used vehicle, they should do a little homework to figure out what additional costs they might have once they own the car. In addition to payments toward their auto financing, they should also incorporate the cost of insurance, gasoline and potential repair bills.

Comparing the gas mileage of used vehicles  
The price of gasoline increased significantly so far this year. While some states offer more affordable costs than other, a gas-guzzling car can be expensive to maintain wherever a driver lives. To curb this issue, they should research the fuel efficiency of a vehicle before they decide to buy it.

Shoppers on a used car lot may notice advertisements displaying the mpg of a car. There are often two numbers displaying highway and city mileage. Because vehicles often travel much faster on highways, this number is almost always higher.

However, according to, the most accurate way to understand the real gas mileage is to figure the average of both numbers. This is especially important if a driver often operates a vehicles in a wide range of environments.  

Take advantage of online sources
If a used car dealership or an individual seller is unsure of a vehicle's fuel efficiency, there are a number of outlets to obtain this information.

Perhaps the most reputable is the U.S. Department of Energy's website Through this outlet, consumers can look up and compare the fuel efficiency of vehicles dating back to 1984. Additionally, drivers can personalize the website so the fuel efficiency meter incorporates their driving habits and where they often operate their vehicle for more accurate results.

Consult the carmaker
Another good way to determine the fuel efficiency of a vehicle is to consult the manufacturer. However, consumers should be careful. A few carmakers have been known to only promote the mpg highway of a vehicle, since it's the higher number and, therefore, more appealing to shoppers.ADNFCR-16001052-ID-800899036-ADNFCR