Jon Penman

Broker/Owner

NMLS# 308840

801-560-2292

jon@penmanhomeloans.com

Jon Penman Broker/Owner

Blog

Airbnb Investing - What Investors Need to Know

Airbnb Investing - What Investors Need to Know

Airbnb investing has grown up. What once looked like an easy side hustle is now a competitive, regulation-heavy segment of real estate that rewards preparation and punishes assumptions. In 2026, short-term rentals can still be profitable—but only fo

Feb 10, 2026 | Purchasing a Home

VA Mortgage Rate Basics Explained

VA Mortgage Rate Basics Explained

VA home loans are one of the most valuable benefits available to eligible service members, veterans, and surviving spouses. One of their biggest advantages is typically lower interest rates compared to conventional mortgages. Who Sets VA Mortgage Rates? T

Feb 05, 2026 | VA Loans

A Smart Buyer’s Guide to Purchasing a New-Construction Home

A Smart Buyer’s Guide to Purchasing a New-Construction Home

New-construction homes offer modern layouts, energy-efficient systems, and the appeal of being the first occupant. While these benefits are attractive, purchasing a newly built home is different from buying an existing property. The process involves uniqu

Feb 03, 2026 | Purchasing a Home

What Is a Mortgage Amortization Schedule and How Does It Work?

What Is a Mortgage Amortization Schedule and How Does It Work?

A mortgage amortization schedule explains how each monthly payment on a home loan is applied over time. It shows exactly how much of each payment goes toward interest, how much reduces the principal balance, and how the loan balance declines over the life

Jan 29, 2026 | Purchasing a Home

How Real Estate Tax Benefits Help Build Long-Term Wealth

How Real Estate Tax Benefits Help Build Long-Term Wealth

Real estate investing is widely recognized as a powerful way to generate income and build long-term wealth. What often makes it especially effective is how favorably it is treated under the U.S. tax code. Beyond rental income and appreciation, real estate

Jan 27, 2026 | Purchasing a Home

Understanding Your Closing Disclosure: What to Review Before Closing

Understanding Your Closing Disclosure: What to Review Before Closing

The Closing Disclosure represents one of the most important documents in the mortgage process. This detailed statement outlines your final loan terms and itemizes every cost associated with closing. Understanding what this document contains and how to rev

Jan 22, 2026 | Purchasing a Home