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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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HOW TO MAKE A BUDGET

Making a budget is one of the easiest ways to really understand where you money is going every month, and to stick with a plan to pay off bills and start building up your savings.

Making a budget is easier than you might think.

Before you get started, download and print out this handy budget worksheet:
Budget Worksheet (PDF, 205 KB)

Step 1: Assess the Current Situation

Fill in the column marked "current". You can estimate the amounts, or for more accurate budgeting, save all of your receipts for a month. When the month is up, collect your receipts, credit card statements, and checkbook, create a total for each budget category, and fill out the worksheet.

Step 2: Cut or Keep

Look at your spending patterns. Do you really need to rent five movies a month? Maybe you'd be fine with three. Could you check out books from the library rather than buying them? By all means, if your morning cup of coffee brings you enjoyment, don't cut it out of your schedule, but if you find expenses that really aren't necessary (perhaps they've just become a habit), then your money might be better spent on paying off debts or putting it away in savings.

Step 3: Make a New Budget

Use the column marked "new" to reallocate your money appropriately. You can use any extra money after expenses to pay off debts, put away for savings or to purchase something you really want or need.

Budgets aren't hard to create, and once you're in the swing of one you will feel secure in knowing where your money is going every month. So start budgeting now!

Stick To It

These tips might make sticking to your budget easier.

  • Tip 1:
    If you find it hard to keep those credit cards away, try cash. You can make an envelope for each expense category and put in cash. If you run out of money, that's it for the month. But if you have any extra, you can either roll it over into next month, or put it away in savings.
  • Tip 2:
    Participate in your company's retirement plan. It's the easiest way to make sure you're putting away money for those future years. And, because retirement plan money is usually taken out before taxes, the difference in your take-home pay is barely noticeable.
  • Tip 3:
    Don't deprive yourself. Enjoying life is important, and if eating lunch out twice a week makes you happy, go out to eat! Just make sure you aren't getting into debt to do so.