From Homestar Runner Wiki
Balding Man is a short, middle-aged man dressed in a polo shirt and jeans. He uses a comb-over to hide his advanced case of male-pattern baldness; as such, he is a stereotyped middle-aged male. However, Balding Man's mid-life crisis seems to have ended in defeat, and he is simply resigned to his fate as a La-Z-Boy jockey. He has been called the "Husband of the Year", although he is depicted as being alone. So far, the only thing the Balding Man can apparently vocalize is a long, exhausted sigh, as seen at the beginning of Senor Mortgage and Senorial Day. Also, in the Senorial Day DVD commentary, Strong Bad says he wants to make a cartoon with him. In an advert in theme song, it is revealed that, for some unknown reason, he wants to cut his own arm off.
Balding man's financial situation is precarious; he was NOT APPROVED and has trouble buying a home or a partially eaten Pop-Tart as seen in Senor Mortgage. Balding Man has been rescued twice from the depths of financial despair by Senor Cardgage's talented entrepreneurship, though it is unclear if he ever achieved the "re-financin' " promised in the first ad or took advantage of Senorial Day's "vera low prices".