--- title: HomeLend Mortgage Blog | interest rates description: interest rates | 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) [![Should I Refinance My Mortgage in 2024?](https://blog.homelend.net/hs-fs/hubfs/Should%20I%20Refinance%20My%20Mortgage%20in%202024%20Key%20Considerations%20and%20Tips.jpg?width=527&name=Should%20I%20Refinance%20My%20Mortgage%20in%202024%20Key%20Considerations%20and%20Tips.jpg)](https://blog.homelend.net/blog/should-i-refinance-my-mortgage-in-2024-key-considerations-and-tips) ## [Should I Refinance My Mortgage in 2024? Key Considerations and Tips](https://blog.homelend.net/blog/should-i-refinance-my-mortgage-in-2024-key-considerations-and-tips) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Oct 03](https://blog.homelend.net/blog/archive/2024/10/03) Refinancing a mortgage is a major financial decision that can lead to lower monthly payments, a shorter loan term, or access to your home equity. But with\[…\] [Read more](https://blog.homelend.net/blog/should-i-refinance-my-mortgage-in-2024-key-considerations-and-tips) [![](https://blog.homelend.net/hs-fs/hubfs/hl%20wide.png?width=527&name=hl%20wide.png)](https://blog.homelend.net/blog/black-americans-and-the-housing-market) ## [Black Americans and the Housing Market](https://blog.homelend.net/blog/black-americans-and-the-housing-market) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Feb 07](https://blog.homelend.net/blog/archive/2022/02/07) Even though it has been over 50 years since the Fair Housing Act was passed, Black homeownership rates have only risen from 41.8 percent to 42.3 percent\[…\] [Read more](https://blog.homelend.net/blog/black-americans-and-the-housing-market) [![](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_Certainty_Blog.png?width=527&name=HomeLend_Certainty_Blog.png)](https://blog.homelend.net/blog/the-feds-mortgage-backed-securities-purchases) ## [The Fed's Mortgage Backed Securities Purchases](https://blog.homelend.net/blog/the-feds-mortgage-backed-securities-purchases) by [Sara Livecchi](https://blog.homelend.net/blog/author/sara-livecchi) on [Mar 27](https://blog.homelend.net/blog/archive/2020/03/27) The Fed will be purchasing mortgage-backed securities to until the market solidifies.  [Read more](https://blog.homelend.net/blog/the-feds-mortgage-backed-securities-purchases) [![](https://blog.homelend.net/hs-fs/hubfs/HomeLend_RateCut-Blog3.png?width=527&name=HomeLend_RateCut-Blog3.png)](https://blog.homelend.net/blog/how-the-fed-rate-cuts-affect-mortgage-rates) ## [How the Fed Rate Cuts Affect Mortgage Rates](https://blog.homelend.net/blog/how-the-fed-rate-cuts-affect-mortgage-rates) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Mar 17](https://blog.homelend.net/blog/archive/2020/03/17) With all the hits to the market with the COVID-19 pandemic, the Federal Reserve (Fed) issued this emergency rate cut. [Read more](https://blog.homelend.net/blog/how-the-fed-rate-cuts-affect-mortgage-rates) [![](https://blog.homelend.net/hs-fs/hubfs/shutterstock_311226329.jpg?width=527&name=shutterstock_311226329.jpg)](https://blog.homelend.net/blog/2019/12/pros-cons-of-paying-off-a-mortgage-early) ## [Pros & Cons of Paying Off a Mortgage Early](https://blog.homelend.net/blog/2019/12/pros-cons-of-paying-off-a-mortgage-early) by [Sara Livecchi](https://blog.homelend.net/blog/author/sara-livecchi) on [Dec 06](https://blog.homelend.net/blog/archive/2019/12/06) Your mortgage may come with a 15- or 30-year term attached to it, but that doesn't mean you have to wait that long to pay it off.  [Read more](https://blog.homelend.net/blog/2019/12/pros-cons-of-paying-off-a-mortgage-early) [All posts](https://blog.homelend.net/blog/all) ## 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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