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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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Who are the Joneses, and why do we try so hard to keep up with them?

Rampant commercialism is threatening our quality of life and causing more and more people to get further into debt. Living within, or even below, your means can be a real eye-opener and will help you determine what is really important to you. Here are some easy things to try:

Make it a game

For just one month, see just how little you can live on. Can you skip the daily trip to the coffee shop and drink the free coffee at work? Can you make a lunch rather than go out? If there's a birthday, is a hand-made present just as special as one that you bought? Once your perspective switches about spending, it really can be a fun challenge, and you'll get valuable insight on just which items are really worth your money.

Stop shopping for fun

Do you find yourself going to the mall for no purpose, and end up buying things you don't really need? Why not try walking around the park, or inviting friends over for breakfast to catch up instead? You're likely to spend less and have a greater connection with the people you care about and your surroundings.

Think before you buy

Before you make a non-essential purchase, try one or all of these techniques:

  • Quick — do you absolutely love it? If there is any question in your mind, put it down and walk away.
  • Imagine how you'd feel if you left the store without it. Sad because you didn't get it? Relieved that you didn't waste your money?
  • Ask yourself this question: Is this item going to enrich my life?

You'll most likely find you arrive home with less purchase mistakes and more money in your pocket.

Pay for things with cash

Remember when you were a kid with an allowance and had to save up for the things you wanted? Try it now. The next time you want to buy something but don't have the money, instead of charging it, try saving up the cash. You'll end up only buying the items you really want and will stop cluttering your life with things that beg the question: "Why did I waste my money on that?" Plus in the time it takes to save the money, you might discover that you actually don't want or need the item.

Stop watching ads

You might try this little experiment: stop watching TV (or at least stop watching the commercials) — that means sound off and look away from the screen and stop reading magazines for one week. In most cases you'll find that the urge to spend has greatly subsided. Madison Avenue has some very compelling tricks and techniques to get people thinking that they need things. Don't be brainwashed!

The beauty of these easy tricks is you'll find you spend less time thinking about and shopping for things that, in many cases, just clutter our homes and lives and get us into debt. As a result, you'll have more time to relax, spend time with your family, and really focus on enjoying your life.