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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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COMMON CREDIT SCORE MYTHS

Your credit score is critical to your future financial status. Don't fall into these common misunderstandings about credit scores.

Myth 1: Everyone has just one credit score

There are three different credit bureaus, and each one issues a different credit score which can vary by 50 points or more. The three bureaus are Equifax, TransUnion and Experian. The Federal Trade Commission has posted a web site where you can order all three of your credit reports once a year for free at www.annualcreditreport.com.

Myth 2: Requesting your own credit report will lower your score

This is just not true. It's important to keep tabs of your credit report to make sure your identity isn't being stolen. Just make sure to get your report from one of the three bureaus or a legitimate credit score seller.

Myth 3: Age, income and gender affect your score

Your credit score is not affected by these factors.  It's affected by your ability to pay your loans on time.

Myth 4: Disputing unfavorable information, even if it's true, will remove it from your credit report

If you dispute information that is actually true, the credit agencies will know it's a scam, so only dispute information that is actually inaccurate.

Myth 5: Shopping for a loan hurts your credit score

Although multiple credit inquiries can hurt your score, as long as the same kind of inquiry is made within 14 days you'll be fine. So shop around for the best rate — just do it within 2 weeks.

Myth 6: Credit card offers damage your credit score

The number of credit card offers you receive in no way affects your credit rating. But offers are different than accepting offers, using the cards and building up debt.

Myth 7: When you get married, your credit scores become one

Your credit score is yours, until death do you part, unless you open accounts together. Joint account information is shown on both party's credit reports.

Myth 8: Closing accounts helps your credit score

Closing accounts may actually hurt your credit score because it lowers your available credit and may shorten your credit history. By all means, pay off those credit cards and cut up the card, but keep the account open.