--- title: HomeLend Mortgage Blog | purchase description: purchase | 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) [![Important of a Preapproval letter](https://blog.homelend.net/hs-fs/hubfs/Pre-approval%20blog.jpg?width=527&name=Pre-approval%20blog.jpg)](https://blog.homelend.net/blog/important-of-a-preapproval-letter) ## [Importance of a Pre-Approval letter](https://blog.homelend.net/blog/important-of-a-preapproval-letter) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [May 05](https://blog.homelend.net/blog/archive/2023/05/05) If you're planning to buy a home, you may be wondering whether you need a preapproval letter from a lender. The short answer is yes! A pre-approval letter\[…\] [Read more](https://blog.homelend.net/blog/important-of-a-preapproval-letter) [![](https://blog.homelend.net/hs-fs/hubfs/Closing%20Cost.jpg?width=527&name=Closing%20Cost.jpg)](https://blog.homelend.net/blog/5-types-of-closing-costs-for-a-home-purchase) ## [5 Types of Closing Costs for a Home Purchase](https://blog.homelend.net/blog/5-types-of-closing-costs-for-a-home-purchase) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Apr 14](https://blog.homelend.net/blog/archive/2023/04/14) With spring in the air, the home buying season is in full swing. Home buying is an exciting journey, but it can also be overwhelming. In addition to the\[…\] [Read more](https://blog.homelend.net/blog/5-types-of-closing-costs-for-a-home-purchase) [![](https://blog.homelend.net/hs-fs/hubfs/HL%20June%20Blog%20Image%202%20.png?width=527&name=HL%20June%20Blog%20Image%202%20.png)](https://blog.homelend.net/blog/make-your-offer-stronger-by-doing-these-4-things) ## [Make Your Offer Stronger By Doing These 4 Things](https://blog.homelend.net/blog/make-your-offer-stronger-by-doing-these-4-things) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Jun 23](https://blog.homelend.net/blog/archive/2022/06/23) The current housing market conditions are making it particularly challenging and different from making an offer on a home even just one year ago. The\[…\] [Read more](https://blog.homelend.net/blog/make-your-offer-stronger-by-doing-these-4-things) [![](https://blog.homelend.net/hs-fs/hubfs/VA%20Loans%20Blog%20-%20HomeLend.png?width=527&name=VA%20Loans%20Blog%20-%20HomeLend.png)](https://blog.homelend.net/blog/va-loans-military-appreciation) ## [Military Appreciation Month & VA Loans  ](https://blog.homelend.net/blog/va-loans-military-appreciation) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [May 23](https://blog.homelend.net/blog/archive/2022/05/23) Military Appreciation Month is celebrated each year in May. This recognition was designated by Congress in 1999, allowing us to use the month to celebrate\[…\] [Read more](https://blog.homelend.net/blog/va-loans-military-appreciation) [![Understanding Today’s Housing Market: Supply & Demand ](https://blog.homelend.net/hs-fs/hubfs/HubSpot%20Blogs%20(1)-1.png?width=527&name=HubSpot%20Blogs%20(1)-1.png)](https://blog.homelend.net/blog/understanding-todays-housing-market-supply-demand) ## [Understanding Today’s Housing Market: Supply & Demand ](https://blog.homelend.net/blog/understanding-todays-housing-market-supply-demand) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Apr 27](https://blog.homelend.net/blog/archive/2022/04/27) As a homebuyer, knowing how supply and demand impact your home’s purchase price will help you understand current and future cost expectations. It is no\[…\] [Read more](https://blog.homelend.net/blog/understanding-todays-housing-market-supply-demand) [![](https://blog.homelend.net/hs-fs/hubfs/Closing%20During%20Covid%202.jpg?width=527&name=Closing%20During%20Covid%202.jpg)](https://blog.homelend.net/blog/closing-on-a-mortgage-during-covid-19) ## [Closing on a Mortgage During COVID-19](https://blog.homelend.net/blog/closing-on-a-mortgage-during-covid-19) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [May 08](https://blog.homelend.net/blog/archive/2020/05/08) You're probably wondering: can I still close on my existing mortgage during the pandemic? The short answer is yes, it’s possible.  [Read more](https://blog.homelend.net/blog/closing-on-a-mortgage-during-covid-19) [![](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) [All posts](https://blog.homelend.net/blog/all) ## 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. No mortgage solicitation or loan applications for properties located in the State of New York can be facilitated through this site. Not for use by New York borrowers.