Denny Ceizyk

Senior Writer

  • Expertise: Mortgage, personal finance, financial literacy, debt management and real estate investing
  • Education: University of Arizona


Denny Ceizyk has been a senior writer covering LendingTree’s mortgage content since 2019; he has covered the mortgage industry since 2007. Besides writing home loan articles for LendingTree, Denny contributes expert commentary for national publications including MarketWatch, the New York Post, AARP, and Money magazine.

Before joining LendingTree, Denny spent 25 years in the mortgage industry advocating for and educating homeowners to help them make the best mortgage decisions. He has worked in the institutional mortgage banking world, having owned and operated a mortgage brokerage company for 18 years.

Denny earned a bachelor’s degree in media arts from the University of Arizona and has advocated for financial literacy initiatives at both the state and local government level over the past 30 years.

Articles by Denny Ceizyk

How to Refinance Your Mortgage

To refinance a mortgage, you replace your current home loan with a new one. In some cases, you follow the same steps as taking out... read more

Mortgage Prequalification vs. Preapproval: Which Is Best for You?

If you’re kicking the tires of homeownership, a mortgage prequalification letter gives you a lender’s best guess about how much you can borrow based on... read more

VA Cash-Out Refinance: What You Need to Know

A VA cash-out refinance gives you access to more of your home’s equity than most other cash-out refinance programs. In some cases, you can convert... read more

What Is PMI? Everything You Need to Know About Private Mortgage Insurance

Private mortgage insurance (PMI) is usually required on a conventional loan if you can’t make at least a 20% down payment. Unlike homeowners insurance, PMI... read more

Adjustable-Rate Mortgage: What an ARM Is and How It Works

When fixed-rate mortgage rates are high, lenders may start to recommend adjustable-rate mortgages (ARMs) as monthly-payment saving alternatives. Homebuyers typically choose ARMs to save money... read more

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