Jon Penman

Broker/Owner

NMLS# 308840

jon@penmanhomeloans.com

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Blog Posts:

What Is a Wraparound Mortgage? A Detailed Guide for Buyers and Sellers
A Guide to Buying a Home in Retirement
Home Warranty vs. Home Insurance: What's the Difference?
Is Your Mortgage Payment Too High? Here’s How to Lower It
🎉 Happy New Year 2026! 🎉
FHA Compensating Factors: Strengthening Your Loan Application
Is a 15-Year Mortgage a Good Choice?
Merry Christmas
VA Home Loans: Benefits, Eligibility, and How to Apply
Using a HELOC to Pay Off Credit Card Debt: Is It Right for You?
Use a VA Energy Efficient Mortgage for Home Improvements
Starter Home vs. Forever Home: Making the Right Choice
Inheriting Property with Siblings
Buying a Property with Existing Tenants
Wishing you a Happy Thanksgiving!
VA Housing Grants for Disabled Veterans: Adapting Homes for Independence
Understanding Mortgage Liens and Property Encumbrances
Joint VA Loans: Combining Forces for Homeownership
Are HELOC Interest Payments Tax Deductible?
Will Home Prices Drop? Understanding Real Estate Market Trends
Happy Veterans Day!
How Your Credit Score Affects Your Mortgage
Is a 30-Year Mortgage Right for You?
Understanding Your Mortgage Maturity Date
Happy Halloween!
Understanding Your True Monthly Mortgage Cost in 2025
Is Now the Right Time for a Home Equity Line of Credit?
Combination Mortgages: Eliminate Private Mortgage Insurance
The First-Time Homebuyer's Complete Guide
Should You Use Your 401(k) for a Home Down Payment?
Understanding Mortgage Closing Costs
Home Buying Programs for Teachers: Your Path to Affordable Homeownership
VA Loans: Your Qualification Guide
What Is a Cash-In Refinance?
A Mortgage Tax Credit That Could Save You $2,000 a Year
Mortgage Basics for First-Time Home Buyers
Does Refinancing your Mortgage Make Sense?
Remembering the Lives Lost on 9/11
Why Buying a Duplex Makes Financial Sense
Tips for Short-Term Rental Success
The Mortgage Spread is Shrinking
Applying for a Mortgage: Fixed or Adjustable Rate?
Tips to Get a Lower Rate on a VA Loan
Funding Energy-Efficient Home Improvements
Force-Placed Insurance: The Costly Mistake Every Homeowner Should Avoid
Six Essential Tips for Buying a Vacation Home
Is it Better to Buy or Rent?
VA Loans are a Great Option for Veterans and Active-Duty Members
Learn More about Home Renovation Loans
Should you Hire a Real Estate Attorney When Buying a Home?
Explaining the Mortgage Contingency Clause
The Difference between Appraised Value and Market Value
The Changing Tides of the Housing Market
DIY Home Improvements: When to Do It Yourself and When to Call the Pros
Dreaming of Your Own Slice of Paradise? Vacation Home Buying Considerations
Cap Rate: Your Key to Smart Rental Property Investing
A Guide to Using a Home Equity Loan for an Investment Property
Happy 4th of July from The Penman Group, Inc.!
Why Some Veterans Choose Conventional Loans Over VA Loans
What's the Perfect Interest Rate?
The Mortgage Revolution: How AI is Shaking Things Up
Foreign Buyers Retreat: A Silver Lining for U.S. Homebuyers?
What's Rent-vesting and Can It Help Me Become a Homeowner?
Can You Use Your VA Loan Again After It's Been Assumed?
Facing Foreclosure? Here’s What You Can Do Now
How to Buy a HUD Home: A Complete Guide
Should You Hold Out for Lower Interest Rates Before Buying a House?
More Borrowers Are Putting 20% Down - Should You?
Where Do Mortgage Lenders Get Funds for Home Loans?
How to Buy a Home at a Government Auction
What Are the Financial Benefits of Owning a Home?
Buying a Home when you have Student Loans
Understanding VA Loan Occupancy Requirements
5 Highly-Effective Habits of Successful Homebuyers
Why You Should Definitely Do a Pre-Settlement Walkthrough
VA Construction Loans: Your Ticket to Home Sweet Home
The Pros and Cons of Buying a Historic House
PMI vs MIP: What You Need to Know Before Buying a Home
5 Tips for Buying a Home When Interest Rates are High
How Parents Can Help Their Children Prepare to Be Homeowners
Why Hazard Insurance Matters When You’re Buying a Home
Real Estate Crowdfunding – Investment Friend or Foe?
Am I Too Young For a Mortgage?
Understanding Private Mortgage Insurance
The Pros & Cons of Buying a Foreclosure
The Housing Market from a Generational Point of View
VA Loans: Your Top Questions Answered
Balloon Mortgages for Investment Properties: A High-Risk, High-Reward Strategy
How to Challenge a Low Home Appraisal
Important Things to Know Before Purchasing a Home with Solar Panels
Buying a House? Don't Forget About Schools!
Step-by-Step Guide to Buying a Home Out of State
Your Step-by-Step Guide to the Homebuying Process
Understanding the Underwriting Process in Home Buying
How to Know If You’re Ready to Buy a Home: Key Considerations
Tips for Negotiating Home Prices
5 Ways to Buy a Home With No Down Payment
A Guide to Financing and Buying a Condo
Unlocking the Power of Home Equity
The Investment Potential of Vacation Homes
3-2-1 Buydown Mortgage Loans
Understanding Your Loan Estimate: A Guide for Homebuyers
Your Guide to Saving for a Down Payment
Your Digital Guide to Modern Homebuying
Use your VA Loan Benefits to Buy a Home
What to Consider When Buying Waterfront Property
Why Your Credit Score Matters When Buying a House
VA Home Loans: Benefits for Veterans
Unlock Your Home’s Potential with a Fixed-Rate HELOC
Navigating the Mortgage Pre-Approval Process: Your First Step to Homeownership
FHA Gift Funds: Unlocking the Door to Your New Home
Helpful Home Buying Tips
Wishing Your Family a Wonderful Holiday Season 🎄🎁 🏡
Higher Loan Limits for 2025 Announced
Non-QM Loans: Flexible Home Financing for Self-Employed & Investors
VA Jumbo Loans help Veterans buy New Homes
The Inside Scoop on the Top 5 Mortgage Loan Types
USDA Loans: Affordable Path to Homeownership
How Long is a Mortgage Pre-approval Good For?
Wishing you a Happy Thanksgiving!
Key Questions to Ask Your Mortgage Lender
Investing in Vacation Rentals: Luxury vs. Economy Properties
Understanding Sales Price vs. Appraised Value in Real Estate
Understanding Your Mortgage Statement
Preparing for Your First Mortgage Payment: Key Details to Know
Understanding Conventional Loans: A Guide for Aspiring Homeowners
Is FHA Streamline Refinance Right for You?
Happy Halloween from The Penman Group, Inc.
Should You Buy a Condo Vacation Property?
Tips for a Successful First-Time Home Buying Experience
The Rise of Single Women Homeowners: Tips for Navigating the Journey
Condo or Townhouse: Which One Fits Your Lifestyle?
A Simple Guide to First-Time Homebuyer Programs
5 Smart Strategies for Finding the Right Mortgage
How Self-Employed Individuals Can Secure a Mortgage with Confidence
Discover Low-Cost Mortgage Solutions for First-Time Buyers
Understanding the VA Loan: How Many Times Can You Use It?
Financing Options for Real Estate Investment
Understanding Mortgage Rates: A Guide for First-Time Homebuyers
How the Fed's Rate Cut Could Impact Your Mortgage
Top Reasons to Refinance Your Home: Key Benefits to Consider
Choosing the Right Mortgage Term: A Key Decision in Homeownership
Refinance Your Home, Even if You Have Limited Equity
Exploring VA Loans: A Path to Homeownership for Veterans
A Strategic Approach to Adjustable-Rate Mortgages
Home Equity Loans vs. HELOC: Which is Right for You?
How High Balance Loans Can Help You Afford a Home in Expensive Markets
Discover the Benefits of USDA Loans
Housing Assistance Programs for Veterans
Essential Guide to Home Inspections: Safeguard Your Investment
A Guide to Freddie Mac CHOICERenovation Loans
Buying a Home: A Helpful Guide to FHA Loans
How Veterans Can Benefit from the VA Loan Streamline Refinance (IRRRL)
Mixed-Use Property Loans
Unlocking Real Estate Potential with HELOCs
Shared Equity vs. Traditional Loans: What’s Better for Homebuyers?
Native American Direct Loan (NADL) Program
Mortgage Options for Physicians: A Path to Homeownership
Can You Afford to Buy a Vacation Home?
Understanding the Importance of Home Warranties
Mortgage Options For Single Parents
Happy 4th of July !
Mortgage Co-signers : A Strategic Partnership for Homebuyers
Essential Financial Tips for Buying a Vacation Home
Pros and Cons of No-Down Payment Loans
Planning Your Vacation Home Purchase
Building Your Dream Home: The Essential Guide to Construction Loans
Why Veterans Are Winning in Today’s Housing Market
How To Pay Off Your Mortgage Faster
Renovate your Home with a Home Equity Loan
A Veteran’s Guide to Home Loans with Bad Credit
The Essential Guide to Homeowners Insurance for New Homeowners
How to Buy a Home After Bankruptcy
Refinancing vs. Loan Modification: Why Refinancing is the Better Choice
7 Red Flags for Second Home Buyers and How to Avoid Them
A Mortgage Professional's Guide to Inheriting Property
Your Guide to FHA Loans: Making Homeownership Attainable
Mortgage Options for Seniors Downsizing in Retirement
What Is Title Insurance and Why Do I Have to Pay for It?
Understanding USDA Rural Development Loans: Benefits and Eligibility
A Comprehensive Guide to Protect Yourself Against Mortgage Fraud
How a 5% Mortgage Can Get You Into Real Estate Investment
The Importance of Debt Consolidation Home Loans
Annual Mortgage Review for First-Time Buyers
A Guide to Buying a Home in the U.S. for Non-U.S. Citizens
Use a HELOC to Pay Off Your Mortgage Sooner
The Essential Role of Mortgage Calculators when Buying a Home
Buying Down the Interest Rate on your Mortgage
What Closing Costs and Fees Do I Have to Pay with a VA Loan?
Understanding Mortgage Prepayment Penalties
Should I Sell or Rent my Home when I move?
Navigating the Mortgage Approval Process as a Gig Worker
The ABCs of Home Loan Options: A Guide for Teachers and Educators
Embracing the Golden Years: A Guide to Buying a Second Home as a Retiree
Using the FHA 203(k) Loan to Renovate Your Home
How to Buy a New Home while Selling your Current Home
The Impact of Your Credit Score on Interest Rates
Understanding When to Lock Your Rate
Mortgage Assistance Programs for First-Time Buyers
The Art of Accelerated Mortgage Payoff with a HELOC
The Pros and Cons of Biweekly Mortgage Payments
Mastering Real Estate: 5 Reasons Why a VA Loan is Your Winning Play
7 Things to Know Before Buying Your Dream Vacation Home
The Importance of a Good Debt-to-Income Ratio
Understanding the Financial Power of Mortgage Points
VA Home Loans: Who Qualifies and How They Work
Lease-to-Own Agreements: A Unique Path to Homeownership
The Power of VA Home Loans: Four Remarkable Advantages
Weighing Your Options: 20% Down Payment vs. Mortgage Insurance
Funding Home Renovations with a Cash-Out Refinance Loan
The Federal Reserve's Role in Shaping Mortgage Rates
Bouncing Back Stronger: Overcoming Mortgage Application Rejection
Avoiding Common Homebuyer Mistakes in a Seller's Market
Unlocking Financial Freedom: A Guide to Refinancing Your Mortgage
The Rise of House-Hacking Among Millennials and Gen Z
Happy New Year!
Getting an Appraisal for Your Vacation Home Loan
What Are the Tax Benefits of Homeownership?
Warm Wishes for a Merry Christmas!
Choosing Between a 5/1 and 7/1 ARM?
The Power of Refinancing into a Shorter Term Loan
Understanding Mortgage Prepayment Penalties: The Hidden Costs
Exploring Interest-Only Mortgages: Benefits and Drawbacks
Is Refinancing my Mortgage to Eliminate High-Interest Debt a Smart Move?
Financing Your Dream Vacation Home: A No-Nonsense Guide
Minimizing the Effect of Job Loss on Your Mortgage
Happy Thanksgiving
The Top 5 Reasons Fixed-Rate Mortgages Are Your Wealth-Building BFFs
How Do I Know Which Home Loan is Right for Me?
Does My Age Affect My Mortgage Eligibility?
Can I Qualify for a Mortgage While I’m Still Paying for Student Loans?
How Will Buying a Vacation Home Affect My Taxes?
HELOC Vs. Home Equity Loan: When Does Each Make Sense?
Happy Halloween
Mortgage Options for Home Remodeling and Renovations
Exploring the Idea of Using Your Retirement Savings for a Second Home
Mortgage Options for Freelancers and Gig Workers
Buying a New or Older Home: Weighing the Pros and Cons
How a Refinance Loan Can Help You Save in Today’s Economy
Navigating Mortgage Opportunities for Veterans and Service Members
How to Use Gift Funds for Your Down Payment
Cracking the Code to Financial Freedom: Bi-Weekly Mortgage Payments
What is Amortization and How Does It Affect My Equity?
Navigating Your Home Loan Journey: Choosing the Right Mortgage Term
Repayment Options for VA Loans
8 Ways to Identify a Mortgage Scam and Protect Yourself
Understanding Debt-to-Income Ratio
How to Avoid Private Mortgage Insurance (PMI)
We will Always Remember those who died on September 11th, 2001
Renting vs. Buying: The Great Housing Debate
How to Save for a Down Payment: 9 Tips for First-Time Homebuyers
The Benefits of Homeownership: Beyond Financial Gains
Do VA Entitlements Ever Expire?
How To Handle Your Mortgage In a Divorce
Get a Mortgage even if You Just Started a New Job
How To Refinance into a VA Loan
Does the VA Offer Reverse Mortgages?
How to Read a Closing Disclosure, Page By Page
How Do VA Loan Rates Compare to Other Loans?
What To Do After Your Mortgage Closes
Understanding the Differences between Second Homes and Investment Properties
What’s the Difference Between a Mortgage Co-Borrower and Co-Signer?
6 Mistakes that Home Buyers Should Avoid
How Often Do Mortgage Rates Change?
How to Start the Process of Buying a Home
Can Manual Underwriting Help You Get Approved for a Mortgage?
How To Save As Much Money as Possible When Buying a House
Happy Independence Day!
How does a HELOC work?
Weighing the Options: Vacation Home or First Mortgage Payoff?
Making Sense of Today's Interest Rates
Should I Consolidate My Debts with a Mortgage Refinance Loan?
Understanding Mortgage Loan Origination Fees

The Penman Group, Inc.

1062 S Douglas Street
Salt Lake City, UT 84105

801-560-2292

NMLS: 2498280

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