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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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Shoppers should keep an eye out for water-damaged vehicles

Posted on Wednesday, November 7, 2012 at 5:18:00 PM

Buying a used car is a great way to get a vehicle on a budget, but you should always do your homework before you complete a transaction. Because used cars may come in less-than-perfect condition, you may run into some issues later on down the road if you aren't careful. 

Countless vehicles along the East Coast were damaged by Hurricane Sandy. In fact, according to Carfax, there were more cars destroyed by Hurricane Sandy than Hurricane Katrina. More than 640,00 vehicles were damaged by Katrina, so Sandy's final tally is expected to be significant.

"Carfax already receives information about flood damaged vehicles from every state impacted by Hurricane Sandy," says Carfax communications director Larry Gamache. "Information about flood damage is reported to Carfax directly from every state DMV, as well as insurance companies, law enforcement organizations, repair facilities, and many other sources."

As a result, many of these water-damaged vehicles could flood the market in the coming months. Buying one of these cars could have serious consequences to your wallet, even if you have auto financing.

Do water-damaged vehicles pose any risks?
There's an array of issues than can stem from water damaged. Most notable perhaps, the the effect it has on the electrical systems of a vehicle.

Water damage can cause wires to corrode and short circuit entire systems ranging from navigation to the headlights. In addition, if any water gets into those hard to reach places, it could cause the interior of the vehicle to mold. Because certain types of mold can be damaging to your health, this is a serious concern.

How to spot water damage  
There are a number of ways to determine if a car has endured water damage. The best way is to request a copy of the vehicle's history. If a previous owner made an insurance after water damage, this information should appear. While it may cost a fee to obtain this document, it could be a worthwhile investment.

However, if you don't have access to this information, you eyes are the next best thing. If you notice any rust on parts of the car's interior, this could be a sign the area was once under water. 

If the seller has an excuse for the presence of rust, don't take their word for it. Instead, have the vehicle looked over by a mechanic who is used to dealing with used cars. They should be able to give you an informed opinion on the matter.ADNFCR-16001052-ID-800901798-ADNFCR