--- title: HomeLend Mortgage Blog | education description: education | 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) [![](https://blog.homelend.net/hs-fs/hubfs/HubSpot%20Blogs-1.png?width=527&name=HubSpot%20Blogs-1.png)](https://blog.homelend.net/blog/shopping-for-a-mortgage-best-practices) ## [Shopping for a Mortgage: Best Practices](https://blog.homelend.net/blog/shopping-for-a-mortgage-best-practices) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Mar 22](https://blog.homelend.net/blog/archive/2022/03/22) When it comes time to buy a home, you’ll want to consider all your mortgage lender options before settling on the best fit for you. There is a lot of\[…\] [Read more](https://blog.homelend.net/blog/shopping-for-a-mortgage-best-practices) [![](https://blog.homelend.net/hs-fs/hubfs/homelend%20credit%20education%20wide.png?width=527&name=homelend%20credit%20education%20wide.png)](https://blog.homelend.net/blog/credit-education-basics) ## [Credit Education Basics](https://blog.homelend.net/blog/credit-education-basics) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Mar 02](https://blog.homelend.net/blog/archive/2022/03/02) ## **What Goes into a Credit Score?** Your credit score is made up of five factors that creditors look at to determine your level of risk. Each element has a\[…\] [Read more](https://blog.homelend.net/blog/credit-education-basics) [![](https://blog.homelend.net/hs-fs/hubfs/Merging%20Your%20Finances%20hl%20blog.png?width=527&name=Merging%20Your%20Finances%20hl%20blog.png)](https://blog.homelend.net/blog/merging-your-finances-with-your-significant-other) ## [Merging Your Finances with Your Significant Other](https://blog.homelend.net/blog/merging-your-finances-with-your-significant-other) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Feb 14](https://blog.homelend.net/blog/archive/2022/02/14) Every couple is unique and so are their finances. If you’re considering merging your finances, there is important information to consider before you make\[…\] [Read more](https://blog.homelend.net/blog/merging-your-finances-with-your-significant-other) [![](https://blog.homelend.net/hs-fs/hubfs/Homelend_FederalReserveIncrease_HLBlog.png?width=527&name=Homelend_FederalReserveIncrease_HLBlog.png)](https://blog.homelend.net/blog/the-fed-inflation-and-increasing-interest-rates) ## [The Fed, Inflation, and Increasing Interest Rates](https://blog.homelend.net/blog/the-fed-inflation-and-increasing-interest-rates) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Feb 07](https://blog.homelend.net/blog/archive/2022/02/07) The Federal Reserve (the Fed) announced plans to start incrementally increasing the FED fund rate throughout 2022. [Read more](https://blog.homelend.net/blog/the-fed-inflation-and-increasing-interest-rates) [![](https://blog.homelend.net/hs-fs/hubfs/Homelend_5SecurityTips_Blog.png?width=527&name=Homelend_5SecurityTips_Blog.png)](https://blog.homelend.net/blog/5-data-privacy-tips) ## [5 Data Privacy Tips](https://blog.homelend.net/blog/5-data-privacy-tips) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Jan 19](https://blog.homelend.net/blog/archive/2022/01/19) Data Privacy Week is celebrated to raise awareness about the ways hackers make attempts to steal data online or otherwise. In order to help you keep your\[…\] [Read more](https://blog.homelend.net/blog/5-data-privacy-tips) [![](https://blog.homelend.net/hs-fs/hubfs/Homelend_RateIncrease_Blog.png?width=527&name=Homelend_RateIncrease_Blog.png)](https://blog.homelend.net/blog/rate-increase-coming-soon-to-second-home-and-high-balance-loans) ## [Rate Increase Coming Soon to Second Home and High Balance Loans](https://blog.homelend.net/blog/rate-increase-coming-soon-to-second-home-and-high-balance-loans) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Jan 19](https://blog.homelend.net/blog/archive/2022/01/19) Fannie Mae announced it will be issuing a rate increase for **second home** and **high-balance loans** this spring. [Read more](https://blog.homelend.net/blog/rate-increase-coming-soon-to-second-home-and-high-balance-loans) [![](https://blog.homelend.net/hs-fs/hubfs/shutterstock_109612319.jpg?width=527&name=shutterstock_109612319.jpg)](https://blog.homelend.net/blog/conforming-loan-limits-are-increasing) ## [Conforming Loan Limits are Increasing](https://blog.homelend.net/blog/conforming-loan-limits-are-increasing) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Dec 03](https://blog.homelend.net/blog/archive/2021/12/03) There is big news for borrowers: the conforming loan limits are increasing from $548,250 to $647,200. [Read more](https://blog.homelend.net/blog/conforming-loan-limits-are-increasing) [![Bring, airy living room with the caption "Remodel or Move?"](https://blog.homelend.net/hs-fs/hubfs/Homelend_RemodelMove_Facebook.png?width=527&name=Homelend_RemodelMove_Facebook.png)](https://blog.homelend.net/blog/move-or-remodel) ## [Move or Remodel?](https://blog.homelend.net/blog/move-or-remodel) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Feb 25](https://blog.homelend.net/blog/archive/2021/02/25) Does your home  no longer suit you and your family as well as it did before?  [Read more](https://blog.homelend.net/blog/move-or-remodel) [![](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_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) [All posts](https://blog.homelend.net/blog/all) [Next](https://blog.homelend.net/blog/tag/education/page/2) ## Get a FREE rate quote in minutes! [Get Started](https://homelend.net/quote/) ![Homelend](https://blog.homelend.net/hubfs/HomeLendMortgage_January2020/images/Favicon-e1573147821451.jpg) HomeLend Mortgage is a direct lender proud to serve you with honesty, integrity, and competence. 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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