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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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Boost your credit score by following these simple tips.

Tip 1: Pay your bills on time

35% of your credit score depends on your history of paying bills, and the five most recent years has more weight than prior years. So start paying your bills. Automatic payment is an easy way to make sure your bills get paid on time. Plus you don't need any stamps!

Tip 2: Pay off your debts

Your score increases as your total amount in debt decreases. And yes, your credit cards are part of this debt. So get on a payment plan to pay them off, especially if you're planning on applying for a home, a new car or other major purchase.

Tip 3: Don't close your accounts

You'd think that once you pay off your credit card bills you should close the account, right? Wrong! Closing accounts that you've paid off only lowers your total available credit, can shorten your credit history and can lower your overall credit rating. So pay those cards off and cut them up, but don't close the account.

Tip 4: If you can't pay them ... consolidate them

If you can barely afford to pay your bills, and you own your home, you can most likely lower your monthly bills by getting a home equity loan, which uses the equity you've built up in your house (the value of your home minus the amount you still owe on the mortgage). Home equity loans usually have much lower rates than credit cards, so you can save by using the money from your home equity loan to pay off your high-interest credit card debt. You will also probably have extra cash each month. You can calculate your monthly savings with our Debt Consolidation Calculator.

Tip 5: Fix errors on your credit report

Request a copy of your credit report from each of the three major credit bureaus listed below, and go over them carefully. If you see any mistakes, contact the bureaus and ask them to investigate. Your credit report is how companies decide if they want to loan you money – make sure it's accurate!




Tip 6: Avoid bankruptcy

There's been a lot of talk about how filing for bankruptcy lets you start with a clean slate, but it's not all true. A bankruptcy stays on your credit history for 10 years and can lower your credit rating by hundreds of points. If you can avoid it, don't file for bankruptcy.