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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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Tony Charchafliah

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Tony Charchafliah
NMLS # 25030
Mortgage Banker
Home Loan Investment Bank, FSB
2155 Diamond Hill Rd.
Suite 2, Cumberland, RII  02818


Tony Charchafliah, also known as “Tony C.,” started in a sister industry in 1983 as a Realtor.  During those 12 years he learned the ins and outs of the home-buying process, and received Multi-Million Dollar Sales and Achievement Awards.  With this background, he learned to understand the true needs of homebuyers and in 1995 he found his niche and became a Loan Officer.  He began this career as a Loan Officer with Fleet Mortgage until the year 1997 when he was recruited by, and worked for, Norwest/Wells Fargo Home Mortgage. He ventured on to the Mortgage Broker profession in 2004 through 2010 with Access Mortgage and Equity and again with Oak Tree Funding.  It was during those years that he allied himself with Patrick Deady and in 2011 made the move to Home Loan Investment Bank, FSB where they both now call home. 

Tony C. has a goal to help everyone with achieving the American Dream of homeownership.  He specializes in unique loan products and programs such as renovation and construction, government backed loans, community commitment low-interest loans, and credit challenged homebuyers.

Tony is an instant friend to all.  He earnestly listens to find out what you and your family’s individual needs are.  He does one-on-one consultations right at your kitchen table (but be sure not to forget the coffee).  He is very flexible with appointment times because he understands the daily demands of life.  Tony will meet you at his office, your home, a restaurant, or the golf course.  Much of his business comes from repeat clients, thus proving his experience, knowledge, and dedication is surpassed only by his excellence in service.