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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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While paying off debt is not an easy task, it is achievable. These quick tips will help get you started.

Make a List

Make a list of who you owe and how much you owe. The list should include your regular credit cards, gas cards, department store cards, student loans, mortgage — any debt. Requesting a free copy of your credit report from may help you remember all the cards and debts you owe. The list should include lender name, debt total, amount owed, interest rate and minimum monthly payment. You can write your own list, or download and fill out this Debt List Worksheet (PDF, 49 KB).

Prioritize your Paybacks

Now that you have a list of all debts, there are two main techniques to tackle your payments:

  • Start small
    Pay off the smallest balances first, which will give you a sense of accomplishment and reduce the total number of lenders you owe. When the smallest balances are paid, start allocating your money to paying off the cards with the highest interest rate.
  • Think big
    Pay off the card with the highest interest rate first because the debt on that card is costing you the most.

Following the "think big" technique will save you more money, but the "start small" technique may make you feel better, faster. With both techniques, be sure to pay back as much as you can every month and remember to stop using the cards!

Cut Them Up

Once paid off, cut up your card. You may also want to close the account. But remember that closing all of your credit accounts may negatively affect your credit score.

Make a Budget and Stick to It

Check out our article on how to make a budget, which contains many budgeting tips and a link to our budget worksheet. (PDF, 205 KB).