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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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Hurricane Sandy could impact national used car prices

Posted on Wednesday, November 14, 2012 at 4:54:09 PM

Hurricane Sandy had a significant impact on the Northeast, including national used car prices.

In the wake of the storm, used car prices across the country are expected to appreciated between $200 and $1,000, according to a report from USA Today. Hurricane Sandy destroyed between 100,000 and 250,000 vehicles, and many former owners are purchasing cheaper alternatives to replace them.

"It's definitely going to raise used car demand," Tom Kontos, executive vice president for Adesa Analytical Services, told the newspaper. "It's going to keep prices higher than it otherwise would be."

Despite the expected increase, many experts feel consumers may not notice. Used car prices have already been on the rise so far this year. In fact, the average price for a used vehicle in October was $9,742, marking a 1.4 percent increase from a year earlier.

Used car prices often soften during the fall and winter months, but with the effects of Hurricane Sandy thrown into the mix, this may not occur this year.  

Buying used is different from buying new
Consumers who aren't turned off by rising used car prices and are still in the market for a vehicle, should keep a few factors in mind when shopping around.

According to Kelley Blue Book, the first step is to figure out how much car you can afford. This includes costs in addition to the price tag and auto financing. You will also need to incorporate the cost of insurance, gasoline and maintenance.  

In addition, because the vehicle may come in less-than-perfect condition, you will need to thoroughly inspect it. But don't limit this inspection to your own knowledge. You should also bring the vehicle to a mechanic who specializes in used car inspections.

Further, try to use a mechanic of your choice rather than one recommended by the dealer. This is especially important if you buy the car directly from the owners, rather than through a reputable dealership.

The final step of buying a used car is checking the vehicle history. Rather than examining the document provided, you may want to order one on your own to make sure you are getting the wool pulled over your eyes.

Although rare, there's always the off chance that the document provided by the seller isn't entirely accurate. With a wave of water-damaged vehicles from Hurricane Sandy flooding the market, this may be even more important, especially if you live in the Northeast.ADNFCR-16001052-ID-800906287-ADNFCR