--- title: HomeLend Mortgage Blog | saving description: saving | 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/HomeLend_AffordHome_HLBlog.png?width=527&name=HomeLend_AffordHome_HLBlog.png)](https://blog.homelend.net/blog/how-much-home-can-i-afford) ## [How Much Home Can I Afford?](https://blog.homelend.net/blog/how-much-home-can-i-afford) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Feb 08](https://blog.homelend.net/blog/archive/2022/02/08) There are a lot of financial and situational factors that play into this question but getting pre-approved by a lender will give you a clear picture of\[…\] [Read more](https://blog.homelend.net/blog/how-much-home-can-i-afford) [![](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/Homelend_TaxExempt2022_Linkedin-FB.png?width=527&name=Homelend_TaxExempt2022_Linkedin-FB.png)](https://blog.homelend.net/blog/tax-exemption-amounts-increase-for-2022) ## [Tax Exemption Amounts Increase for 2022](https://blog.homelend.net/blog/tax-exemption-amounts-increase-for-2022) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Nov 29](https://blog.homelend.net/blog/archive/2021/11/29) The Internal Revenue Service has announced that several gift and estate tax exemption amounts will be increasing for 2022.  [Read more](https://blog.homelend.net/blog/tax-exemption-amounts-increase-for-2022) [![](https://blog.homelend.net/hs-fs/hubfs/FNMA%20Now%20Considering%20Rent%20Payments%20For%20New%20Borrowers.png?width=527&name=FNMA%20Now%20Considering%20Rent%20Payments%20For%20New%20Borrowers.png)](https://blog.homelend.net/blog/fannie-mae-changes-helping-more-renters-turn-into-homeowners) ## [Fannie Mae Changes Helping More Renters Turn into Homeowners](https://blog.homelend.net/blog/fannie-mae-changes-helping-more-renters-turn-into-homeowners) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Aug 20](https://blog.homelend.net/blog/archive/2021/08/20) Fannie Mae announced that rent payments will now be considered when evaluating a potential borrower’s credit for a loan.  [Read more](https://blog.homelend.net/blog/fannie-mae-changes-helping-more-renters-turn-into-homeowners) [![Text reads: Credit Recover Mode Activated, a pair of hands count a wad of cash](https://blog.homelend.net/hs-fs/hubfs/Homelend_CreditBlog_Facebook.png?width=527&name=Homelend_CreditBlog_Facebook.png)](https://blog.homelend.net/blog/post-holiday-credit-score-rehab) ## [Post-Holiday Credit Score Rehab](https://blog.homelend.net/blog/post-holiday-credit-score-rehab) by [HomeLend](https://blog.homelend.net/blog/author/homelend) on [Jan 13](https://blog.homelend.net/blog/archive/2021/01/13) Right around now, nearly [half of Americans](https://www.apartmenttherapy.com/improve-credit-score-holiday-debt-266134) are sitting with some holiday-related credit card debt.  [Read more](https://blog.homelend.net/blog/post-holiday-credit-score-rehab) [![](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_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) [![](https://blog.homelend.net/hs-fs/hubfs/HomeLend_Earthday_Blog.png?width=527&name=HomeLend_Earthday_Blog.png)](https://blog.homelend.net/blog/choose-to-reuse-5-sustainable-tips-for-earth-day) ## [Choose to Reuse: 5 Sustainable Tips for Earth Day](https://blog.homelend.net/blog/choose-to-reuse-5-sustainable-tips-for-earth-day) by [Sara Livecchi](https://blog.homelend.net/blog/author/sara-livecchi) on [Apr 22](https://blog.homelend.net/blog/archive/2020/04/22) ## Bottles Swap out plastic water bottles for reusable bottles. You don’t need a water dispenser built into your refrigerator to make this happen. If you’re\[…\] [Read more](https://blog.homelend.net/blog/choose-to-reuse-5-sustainable-tips-for-earth-day) [![Man with glasses wearing flannel shirt in center of image and woman with long brown hair and a white top to the right both looking at an iPad held by a man in a suit](https://blog.homelend.net/hs-fs/hubfs/ProsConsRealtor.png?width=527&name=ProsConsRealtor.png)](https://blog.homelend.net/blog/pros-and-cons-of-using-a-realtor) ## [Pros and Cons of Using a Realtor](https://blog.homelend.net/blog/pros-and-cons-of-using-a-realtor) by [Sara Livecchi](https://blog.homelend.net/blog/author/sara-livecchi) on [Mar 11](https://blog.homelend.net/blog/archive/2020/03/11) When it’s time to search for your new home, one important question you’re going to ask yourself is, “should I use a real estate agent?”  [Read more](https://blog.homelend.net/blog/pros-and-cons-of-using-a-realtor) [![](https://blog.homelend.net/hs-fs/hubfs/shutterstock_160071032%20(2).jpg?width=527&name=shutterstock_160071032%20(2).jpg)](https://blog.homelend.net/blog/2020/01/simple-ways-to-cut-heating-costs-at-home) ## [Simple Ways to Cut Heating Costs at Home](https://blog.homelend.net/blog/2020/01/simple-ways-to-cut-heating-costs-at-home) by [Sara Livecchi](https://blog.homelend.net/blog/author/sara-livecchi) on [Jan 10](https://blog.homelend.net/blog/archive/2020/01/10) There are hundreds of ways you can reduce your carbon footprint by decreasing those monthly energy bill payments.  [Read more](https://blog.homelend.net/blog/2020/01/simple-ways-to-cut-heating-costs-at-home) [All posts](https://blog.homelend.net/blog/all) [Next](https://blog.homelend.net/blog/tag/saving/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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