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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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How Do New Windows and Doors Help Your Finances Long-Term?

By Corazon Gritar

Upgrading your windows and doors is one of the most cost-effective home improvements you can make to enhance both the aesthetic appeal and the energy efficiency of your property. While the upfront cost might seem significant, these improvements can ...

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Leave a Comment June 18, 2025

5 Ways to Save Money on Moving Expenses

By Enero Febrero

Moving to a new home is stressful enough without additional financial worries. Especially when it comes to how to save money on moving expenses. After all, there are many costs involved in the moving process. For example, you may need to hire ...

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4 Comments June 4, 2025

Is Your Rental Property Profitable? How to  Maximize ROI Without Raising Rent

By Tex Freitag

Owning rental property can be a wise long-term investment—but what happens when rent increases aren't an option? With rising expenses and economic uncertainty, many landlords are searching for ways to increase their return on investment (ROI) without ...

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May 2, 2025

How to Manage a Personal Loan Property

By Sabado Domingo

So, you’ve taken out a personal loan - whether it's a standard loan, a car loan, or even, say, a title loans in Arizona. But the real work is only just beginning - especially if you are managing a personal loan property. But if you don't know how to ...

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April 23, 2025

Home Appraisal Impacts on Your Mortgage: Tips for Budgeting

By Sabado Domingo

Buying a home is thrilling. It's also a financial puzzle. One key piece? The home appraisal. It might not get as much attention as your credit score or interest rate. However, there are home appraisal impacts nevertheless, as they can make or break ...

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April 9, 2025

How Do I Get Prequalified for a Mortgage?

By Len Penzo

The difference between being prequalified or preapproved for a home loan can be a critical factor in determining whether or not you'll get the home of your dreams. In short, prequalified homebuyers are far less attractive to sellers than shoppers who ...

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April 3, 2025

How to Get Preapproved for a Mortgage

By Len Penzo

The difference between being prequalified or preapproved for a home loan can be a critical factor in determining whether or not you'll get the home of your dreams. In short, preapproved homebuyers are far more attractive to sellers than shoppers who ...

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March 20, 2025

How Home Crowdfunding May Let Millennials Live the American Dream

By Corazon Gritar

American millennials are making the news once again. This time, it's because the demographic as a whole can't afford to purchase homes. According to a survey by Apartment list, a staggering 80% of millennials say that they want to buy a home. Here's ...

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March 18, 2025

6 Big Home Seller Mistakes That Turn Off Potential Homebuyers

By Sabado Domingo

When a potential buyer walks through your front door, what do they see? First impressions are really important, and many buyers will know within seconds whether the place is right for them. However, there are certain things that'll put buyers off ...

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March 12, 2025

Will Refinancing Save You Money? Here’s How to Tell

By Sabado Domingo

Are you considering the best ways to manage your finances while securing reliable financial support options? Lowering loan interest rates can significantly reduce your monthly payments and long-term expenses. Seeking professional advice ensures you ...

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March 4, 2025

What Is a Mortgage Broker (and Is One Right for You)?

By Len Penzo

What is a mortgage broker? In short, a mortgage broker is an independent middleman who finds potential customers for mortgage lenders. The mortgage broker's job is to collect all of the loan documents from a prospective borrower; he then reviews and ...

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February 6, 2025

Should I Pay Off My Mortgage Early?

By Len Penzo

The decision to pay off the mortgage early is always a hotly debated topic. Unfortunately, the question of "should I pay off my mortgage early?" can't be answered easily because everybody's circumstances are different. In fact, there is no right ...

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January 9, 2025

8 Misleading Claims People Often Make To Close a Deal

By Len Penzo

The other day I came across an old article that suggested a healthy dose of skepticism was essential when you're watching television commercials that make misleading claims for both prescription and non-prescription drugs. No, really. A study ...

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January 6, 2025

How Does the Home Buying Process Work?

By Len Penzo

Purchasing a house can seem like a daunting task -- especially if you're doing it for the first time. Thankfully, the home buying process can be boiled down to a series of relatively simple steps: Make sure you're ready. Deciding to own a home is a ...

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December 12, 2024

Profit or Pitfall? Financial Considerations When Selling an Investment Property

By Tex Freitag

Selling an investment property is a major financial decision that requires careful thought and planning. Whether you're a seasoned investor or a first-timer, understanding the financial implications can make the difference between a profitable deal ...

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December 11, 2024

Is Earthquake Insurance Worth It?

By Len Penzo

When it comes to living in Southern California, earthquakes are a part of life. But don't be fooled: Earthquakes can happen anywhere. With that in mind, many people often ask me: Is earthquake insurance worth it? Thankfully, after 35 years of ...

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November 25, 2024

5 Tips for Avoiding Buyer’s Remorse (That I Learned the Hard Way)

By Len Penzo

I think it's safe to say that, like the common cold, almost all of us occasionally suffer from buyer's remorse. Of course, avoiding buyer's remorse is everyone's goal; but nobody's perfect. So today, against my better judgment, I'm going to share my ...

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November 18, 2024

10 More Financial Old Wives’ Tales Masquerading As Rules of Thumb

By Len Penzo

There are people out there who swear that if you're lucky enough to see the first flower of springtime on a Friday, it's a sign of impending wealth. I know. I don't buy it either. Still, let's assume these folks know what they're talking about; ...

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October 21, 2024

How to Determine Your Housing Budget After a Divorce

By Corazon Gritar

Ending a marriage can dramatically alter your financial landscape, and one of the most pressing matters to address is your housing budget after a divorce. Understanding how to assess your financial situation post-divorce is essential for successfully ...

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October 1, 2024

How Big Should a Mortgage Down Payment Be?

By Len Penzo

Although there are exceptions to every rule, mortgage providers generally require homebuyers to contribute a minimum down payment somewhere between 3.5% and 20% of the home's purchase price. So how big should a mortgage down payment be? Of course, ...

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September 5, 2024

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