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.

"My daughter's wedding this past weekend went very well and a sincere thanks goes to Home Loan and my loan advisor, Dan [Home Loan Advisor], for making it all possible. My credit history was not the best and Dan took the time to check out credit scores, past salary history as well as the potential salary in my current position to make the loan possible. Not only were my wife and I able to give our daughter a wonderful day but we were able to catch up on some other bills. The pressure that our family felt was intense and it was quickly alleviated by Dan taking the time to review all our options in a clear and concise manner every step of the way.
PS: Please give my regards to Dan."
–Walter K.

"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 [Home Loan Advisor] 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'm not sure how familiar you are with my case, but Jason [Home Loan Advisor] worked diligently hour upon hour to see that this loan went through. We were absolutely satisfied with everything."
–Mr. and Mrs. Robert M.

"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.

"I am writing to thank you and John Murphy for your assistance with my refinancing. As you recall, initially I received a pre-approval letter for a loan that once I had responded, the loan was turned down. At that time, my complaint and concerns reached your desk. Your warm, concerned manner and your offer to investigate the situation and get back with me impressed me so much, that I delayed the complaint to the Attorney General's Office."

"Before coming into the teaching profession, I did a great deal of consulting for major corporations in the area of organization and staff development. The number one thing that I stressed to company executives was that the level of customer service would be the defining factor in the corporate preservation in the 21st century. Adam, without hesitation, I can say that you understand this concept instinctively and in so doing, it provided a great opening for us to do business together in what I hope will be a long-term relationship."

"Even though the house did not price out as well as I had hoped for, you and Mr. Murphy had enough faith in me and in the situation to take a risk and underwrote the loan. Now I will be able to install a new more efficient boiler and accomplish some of the repairs that the house needs. Without the loan, I know that I would have put the house on the market and moved elsewhere because the boiler though operable, wasn't safe after 50 years of use. So thank you again. Without hesitation, I would encourage my teaching colleagues to consider Home Loan and Ocean Bank as for their home financing needs."

"On a personal note Adam, lets stay in touch. Thank you for inviting me into the prayer group. I was extremely happy to hear that little "Katie's" operation was a success. God Bless you and John (I hope to meet him soon to personally thank him). Best wishes and God's Blessing upon you and your family."
–Theresa J.

"We've lived in our home for about twelve years. During that time span, my wife and I developed a credit history that was much less than desirable. This came back to haunt us when we realized that it was time to replace our entire kitchen and bathroom.

"Here's the funny thing. Over the last one or two years had dozens (seriously, dozens) of mortgage companies call us, insisting they could help with our situation. After they looked at our credit history, they either said there was nothing they could do, or they gave us a deal that increased our interest rate, or they just never called back.

"Here's where it gets good. Eric, Senior Loan Officer with Home Loan, and all around good guy, heard about our dilemma and said he could help. Here we go…After Eric crunched some numbers, considered the potential of our combined salaries, and took advantage of the new arrangements Home Loan has set up just for teamsters, he was able to offer us a home loan that would lower our interest rate, consolidate some bills, and put us on the path to good credit, all this when the other mortgage companies said they couldn't help.

"Eric was also able to secure a smaller loan that we're using to remodel our kitchen and bath. So, in the span of a few short months, Eric and Home Loan helped us get a lower interest rate, consolidate bills while saving money, and refurbish our house that was as beat up as our credit report. And even our credit history has improved!

"That's my story and I'm sticking with it!"
–Karl S.

"In this day and age, it is rare to find true kindness, consideration, and courtesy. Emily [Home Loan Advisor] 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.

"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 [Home Loan Advisor] 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 [Home Loan Advisor] provided and have referred them to you all for help in refinancing their home."
–Gay and John B.