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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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MORTGAGE COMPARISON CHART

With many different types of loans, we are confident that we can meet your financial needs.

The following table outlines some of our more popular programs. If you want more information or would like to hear about other options, contact us – we’re happy to answer any questions.

HOME LOAN LOAN PROGRAMS
Standard Fixed Rate Loan Available in 5 to 30-year terms. Borrow up to 85% of collateral value depending on program and credit. Can refinance and take cash out at the same time while still having only one monthly payment. Designed for people who want peace of mind from knowing that the interest rate and monthly payment is fixed throughout the life of the loan.
FHA Loan Federally insured loan with flexible credit and loan-to-value guidelines. Cash out, refinance, or purchase up to 85% of your home’s appraised value. Fixed interest rate and no pre-payment penalty. Available in 15 & 30-year terms. Designed for people who are in need of flexible underwriting guidelines and have little money to put down.
Purchase Loan Available for borrowers looking to purchase a property. Flexible down payments starting as low as 3.5% of collateral value depending on the program. Fixed rate loan available in 5 to 30-year terms. Designed for people who are looking to own their home and have little money to put down.
Commercial Loan Programs include SBA 7(A) and USDA Commercial loans. Loan amounts from $250,000 up to $5 million. Loan terms up to 30 years with no balloon payments. Flexible debt-service coverage. Designed for small businesses and industries that other banks overlook.