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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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IDENTITY THEFT AND YOUR CREDIT

Identity theft is a frightening prospect. A home paper shredder can certainly help, but the best way to protect yourself against identity theft before it damages your credit score is to monitor your credit report.

Review your Credit Report

Contrary to popular belief, requesting your own credit report once a year does not lower your score. The Federal Trade Commission has posted a website where it's easy to obtain reports from all three credit bureaus at one time, once a year and for free: https://www.annualcreditreport.com. Or, review your credit by reviewing one bureau's free report every four months.

When you get your reports, go over them thoroughly. Remember, your credit report is a full history of your past and current credit, so in addition to credit cards and loans, you might also see any late payments you made to utilities, landlords, hospitals and the like.

Correcting Inaccurate Information

If you find inaccurate information on your credit reports, you might be a victim of identity theft. While you are not liable for paying charges on your credit cards that you did not make, you are responsible for clearing your name. So start contacting the creditors and be sure to keep detailed lists of the institution you contacted, the person you spoke to (try to get the person's full name and direct phone number), the date and time of contact and the topics discussed. Make sure any information you send through the mail is sent certified so there is a record of when you sent it and when the institution received it. Keep copies of all your records as well.

Fraud Alerts

Ask the three credit bureaus to place a fraud alert on your files. If someone tries to request your credit report, you will be notified. If you truly are a victim of identity theft, when the thief tries to apply for another credit card in your name, you'll be notified when the credit card issuer requests your credit report. You can then take steps to find out who is trying to apply for credit under your name. Fraud alerts typically last for 90 to 180 days, but you may request in writing that you would like it to last for any period of time up to seven years.

Other People to Contact

If you see credit card accounts listed on your credit report that you didn't open, ask the bureaus for the names and phone numbers of the credit card companies and contact each one. If someone is using credit card numbers for accounts that you opened and are also using, contact the credit companies, tell them about the erroneous charges and ask them to issue a new account number and cards and deactivate the old account numbers.

Tell your local police or sheriff's department about your identify theft and make sure your stolen or unauthorized accounts are listed in your police report.

The three credit bureaus:

Equifax
www.equifax.com

Experian
www.experian.com

TransUnion
www.transunion.com

Remember, prevention is the best solution to stopping identity theft, so get your free credit reports and check them to keep your credit ratings in good standing.