--- title: HomeLend Mortgage Blog | Sara Livecchi description: HomeLend Mortgage Blog --- - [(888) 749-9595](tel:8887499595) - [info@homelend.net](mailto:info@homelend.net) [![HomeLendLogo_TM-01-1](https://blog.homelend.net/hs-fs/hubfs/HomeLendLogo_TM-01-1.png?width=961&name=HomeLendLogo_TM-01-1.png)](https://homelend.net/)   - [Login](https://apply.homelend.net/#/) - [Apply](https://apply.homelend.net/#/milestones) - [Today’s Rates](https://homelend.net/quote/) - [Loan Programs](https://homelend.net/loan-programs/) - [Blog](https://homelend.net/education/) - [Calculator](https://homelend.net/mortgage-calculator/) - [About](https://homelend.net/about-us/) [tel:8887499595](tel:8887499595) [mailto:info@homelend.net](mailto:info@homelend.net) [![Homelend](https://blog.homelend.net/hubfs/HomeLendMortgage_January2020/images/Homelend_Logo_3_8_17_2000-scaled.png)](https://homelend.net/) - [Today’s Rates](https://homelend.net/quote/) - [Loan Programs](https://homelend.net/loan-programs/) - [Blog](https://homelend.net/education/) - [Calculator](https://homelend.net/mortgage-calculator/) - [About](https://homelend.net/about-us/) - [Login](https://homelend.net/about-us/) - [Apply](https://homelend.net/about-us/) - [(888) 749-9595](tel:8887499595) - [info@homelend.net](mailto:info@homelend.net) © 2019 # HomeLend Mortgage Blog We don’t expect you to know everything there is to know about buying a home. We provide you with expert service for a reason! Feel free to explore our blog to find some quick answers to all your home loan-related questions. ##### [Home Buying](https://blog.homelend.net/blog/tag/home-buying) ##### [Refinancing](https://blog.homelend.net/blog/tag/refinance) ##### [First-Time Buyer](https://blog.homelend.net/blog/tag/1str-time) ##### [Borrowing 101](https://blog.homelend.net/blog/tag/101) ## Sara Livecchi ### Recent Posts [![](https://blog.homelend.net/hs-fs/hubfs/Homelend_HolidaySpending_Facebook.png?width=527&name=Homelend_HolidaySpending_Facebook.png)](https://blog.homelend.net/blog/holiday-spending-tips) ## [Holiday Spending Tips](https://blog.homelend.net/blog/holiday-spending-tips) by [Sara Livecchi](https://blog.homelend.net/blog/author/sara-livecchi) on [Dec 15](https://blog.homelend.net/blog/archive/2020/12/15) The holiday doorbuster deals and sales are hard to ignore these days. [Read more](https://blog.homelend.net/blog/holiday-spending-tips) [![](https://blog.homelend.net/hs-fs/hubfs/Homelend_RateLockBasics_Facebook.png?width=527&name=Homelend_RateLockBasics_Facebook.png)](https://blog.homelend.net/blog/mortgage-rate-lock-basics) ## [Mortgage Rate Lock Basics](https://blog.homelend.net/blog/mortgage-rate-lock-basics) by [Sara Livecchi](https://blog.homelend.net/blog/author/sara-livecchi) on [Nov 18](https://blog.homelend.net/blog/archive/2020/11/18) Mortgage rates are constantly in flux. While they can trend one way or another, they’ll vary pretty much day to day and from person to person.  [Read more](https://blog.homelend.net/blog/mortgage-rate-lock-basics) [![](https://blog.homelend.net/hs-fs/hubfs/Homelend_MortgageDonts_Facebook.png?width=527&name=Homelend_MortgageDonts_Facebook.png)](https://blog.homelend.net/blog/mistakes-to-avoid-before-applying-for-a-mortgage) ## [Mistakes to Avoid Before Applying for a Mortgage](https://blog.homelend.net/blog/mistakes-to-avoid-before-applying-for-a-mortgage) by [Sara Livecchi](https://blog.homelend.net/blog/author/sara-livecchi) on [Nov 04](https://blog.homelend.net/blog/archive/2020/11/04) # Here's what NOT to do in order to obtain a lower interest rate mortgage: [Read more](https://blog.homelend.net/blog/mistakes-to-avoid-before-applying-for-a-mortgage) [![](https://blog.homelend.net/hs-fs/hubfs/Homelend_AutumnDecor_Facebook.png?width=527&name=Homelend_AutumnDecor_Facebook.png)](https://blog.homelend.net/blog/cost-effective-trendy-fall-decor) ## [Cost Effective, Trendy Fall Decor](https://blog.homelend.net/blog/cost-effective-trendy-fall-decor) by [Sara Livecchi](https://blog.homelend.net/blog/author/sara-livecchi) on [Oct 06](https://blog.homelend.net/blog/archive/2020/10/06) The autumn weather in the northeast brings in a brisk chill, but also a wave of festive inspiration.  [Read more](https://blog.homelend.net/blog/cost-effective-trendy-fall-decor) [![](https://blog.homelend.net/hs-fs/hubfs/Homelend_BuildHome_Facebook-Blog.png?width=527&name=Homelend_BuildHome_Facebook-Blog.png)](https://blog.homelend.net/blog/building-a-home) ## [Building a Home](https://blog.homelend.net/blog/building-a-home) by [Sara Livecchi](https://blog.homelend.net/blog/author/sara-livecchi) on [Sep 14](https://blog.homelend.net/blog/archive/2020/09/14) There are plenty of advantages to building a new home as opposed to buying one, but is it worth it? Let's find out. [Read more](https://blog.homelend.net/blog/building-a-home) [![](https://blog.homelend.net/hs-fs/hubfs/Homelend_SelfBorrower_Blog-1.png?width=527&name=Homelend_SelfBorrower_Blog-1.png)](https://blog.homelend.net/blog/self-employed-borrowers) ## [Self-Employed Borrowers](https://blog.homelend.net/blog/self-employed-borrowers) by [Sara Livecchi](https://blog.homelend.net/blog/author/sara-livecchi) on [Sep 01](https://blog.homelend.net/blog/archive/2020/09/01) Mortgage lenders base quite a bit on a borrower’s employment and income information to determine their ability to pay back a loan.  [Read more](https://blog.homelend.net/blog/self-employed-borrowers) [![Woman sitting on the floor using a laptop and talking on the phone wearing a hijab and jeans sitting in front of a couch.](https://blog.homelend.net/hs-fs/hubfs/Homelend_6mWFH_Blog.png?width=527&name=Homelend_6mWFH_Blog.png)](https://blog.homelend.net/blog/4-simple-workflow-enhancing-tips) ## [4 Simple Workflow-Enhancing Tips](https://blog.homelend.net/blog/4-simple-workflow-enhancing-tips) by [Sara Livecchi](https://blog.homelend.net/blog/author/sara-livecchi) on [Aug 07](https://blog.homelend.net/blog/archive/2020/08/07) If you’re an east coast dweller like us, you’ve probably been working from home for the last six months or so. We’ll be honest –its been tough! [Read more](https://blog.homelend.net/blog/4-simple-workflow-enhancing-tips) [![](https://blog.homelend.net/hs-fs/hubfs/Homelend_Floating_Blog.png?width=527&name=Homelend_Floating_Blog.png)](https://blog.homelend.net/blog/before-forbearance-try-this) ## [Before Forbearance, Try This](https://blog.homelend.net/blog/before-forbearance-try-this) by [Sara Livecchi](https://blog.homelend.net/blog/author/sara-livecchi) on [Aug 03](https://blog.homelend.net/blog/archive/2020/08/03) If you are experiencing the latter and are considering mortgage forbearance, keep reading. [Read more](https://blog.homelend.net/blog/before-forbearance-try-this) [![](https://blog.homelend.net/hs-fs/hubfs/Homelend_MortgageReliefBlog_Blog.png?width=527&name=Homelend_MortgageReliefBlog_Blog.png)](https://blog.homelend.net/blog/forbearance-period-ending-whats-next) ## [Forbearance Period Ending - What's Next?](https://blog.homelend.net/blog/forbearance-period-ending-whats-next) by [Sara Livecchi](https://blog.homelend.net/blog/author/sara-livecchi) on [Jul 20](https://blog.homelend.net/blog/archive/2020/07/20) If your 90-day forbearance is set to expire, and you still cannot pay your mortgage, you may still have options. [Read more](https://blog.homelend.net/blog/forbearance-period-ending-whats-next) [![Understanding the Closing Disclosure](https://blog.homelend.net/hs-fs/hubfs/Homelend_ClosingDisclosure_Blog%20(3).png?width=527&name=Homelend_ClosingDisclosure_Blog%20(3).png)](https://blog.homelend.net/blog/understanding-the-closing-disclosure) ## [Understanding the Closing Disclosure](https://blog.homelend.net/blog/understanding-the-closing-disclosure) by [Sara Livecchi](https://blog.homelend.net/blog/author/sara-livecchi) on [Jul 09](https://blog.homelend.net/blog/archive/2020/07/09) A closing disclosure is a five-page document that contains all the finalized details regarding your loan. [Read more](https://blog.homelend.net/blog/understanding-the-closing-disclosure) [All posts](https://blog.homelend.net/blog/all) [Next](https://blog.homelend.net/blog/author/sara-livecchi/page/2) ## Get a FREE rate quote in minutes! 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We provide home loans with the lowest interest rates and closing costs possible.    [A division of Kwik Mortgage.](https://www.kwikmtg.com/) ### Contact info@homelend.net 888-749-9595 959 U.S. 46, Suite 401 Parsippany, NJ 07054 - Company - [About](https://homelend.net/about-us/) - [Resources](https://homelend.net/education/) - [Careers](https://homelend.net/careers/) - Legal - [Privacy Policy](https://homelend.net/privacy-policy/) - [Terms & Conditions](https://homelend.net/terms/) - [State Licenses](https://homelend.net/statelicensing/) - [NMLS #138075](https://homelend.net/education/www.nmlsconsumeraccess.org) [![Equal Housing](https://blog.homelend.net/hubfs/HomeLendMortgage_January2020/images/EqualHousingLogo.png)](https://www.hud.gov/) [![BBB](https://blog.homelend.net/hubfs/HomeLendMortgage_January2020/images/JW-BBB-Grey.png)](https://www.bbb.org/new-jersey/business-reviews/mortgage-bankers/kwik-mortgage-corporation-in-s-plainfield-nj-90020476#sealclick) © 2020 Homelend Mortgage | Company NMLS #138075 [www.nmlsconsumeraccess.org](https://homelend.net/www.nmlsconsumeraccess.org) | This site is not authorized by the New York State Department of Financial Services. 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