Jon Penman

Broker/Owner

NMLS# 308840

801-560-2292

jon@penmanhomeloans.com

Jon Penman Broker/Owner

Blog

From Renter to Homeowner: Mastering the Lease Transition

From Renter to Homeowner: Mastering the Lease Transition

Trying to buy a home before your lease ends can feel like managing two deadlines at once. You are touring homes, gathering paperwork, and watching interest rates while also wondering whether you will need to renew your rental, move twice, or pay for overl

Sep 02, 2026 | Purchasing a Home

Is it Worth Refinancing For a .25% Lower Rate?

Is it Worth Refinancing For a .25% Lower Rate?

A 0.25% drop in mortgage rates can look tempting at first glance. But whether refinancing is worth it comes down to more than the headline rate. The real question is how much you would save, how long it would take to recover your closing costs, and whethe

Aug 31, 2026 | Refinancing a Home

House Savings: A Step-by-Step Blueprint

House Savings: A Step-by-Step Blueprint

Saving for a home can feel overwhelming at first, especially when home prices, closing costs, and everyday expenses are all competing for your attention. The good news is that buying a home does not usually require one giant leap. In most cases, it comes

Aug 28, 2026 | Purchasing a Home

Debt Consolidation Loans and Your Credit Score

Debt Consolidation Loans and Your Credit Score

Managing several debt payments at once can feel overwhelming. For some homeowners, refinancing to consolidate debt offers a way to simplify monthly bills and potentially reduce interest costs. But before moving forward, it is important to understand how t

Aug 26, 2026 | Refinancing a Home

Buying a Home for a Second Time: What You Need to Know

Buying a Home for a Second Time: What You Need to Know

Buying a home for the second time can feel familiar, but the process often comes with new moving parts. Your finances may have changed, the market may look very different, and the timing of selling one home while buying another can add extra pressure. A s

Aug 24, 2026 | Purchasing a Home

When should you Buy or Sell your home?

When should you Buy or Sell your home?

Timing can make a meaningful difference when you buy or sell a home. One of the clearest ways to understand local market conditions is through absorption rate, a simple measure that shows how quickly available homes are selling. When you know whether dema

Aug 21, 2026 | Purchasing a Home