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Jack M. Guttentag is Professor of Finance Emeritus at the Wharton School of the University of Pennsylvania. More

Recent Articles

Are HECM Reverse Mortgages Over-Priced?

In most cases, seniors receive no value from the excessively high fees they pay on HECMs, but they can avoid over-charges if they know the ropes. Read Article

Eliminating Dysfunction in the HECM Reverse Mortgage Market

This article identifies issues with the HECM Reverse Mortgage Market and how they can be addressed. Read Article

Is This a Good Time For a New HELOC?

It is a good time to take a HELOC to help manage volatile cash flows, but a bad time to carry a high debt load that will take years to repay. Read Article

The Mortgage Closing Date: Does it Matter?

On a purchase transaction, close on the date closest to your moving date. On a refinance, try and avoid closing on a Friday. Read Article

Is Paying Down Your Mortgage Balance a Good Investment?

This article deals with the title question and several others posed by readers about paying off a mortgage early. Read Article

The Tontine: A 17th Century Solution to a 21st Century Problem:

The tontine, in which partners in an investment fund agree that the shares of those who die are diivided among the others, has some interesting modern applications,summarized here. Read Article

A New Approach to Protecting Consumers In Financial Markets

Seniors can now get disinterested counseling on whether a HECM reverse mortgage will benefit them from experts who have no financial interest in whether they borrow or not. Read Article

What Happens When the Lender Miscalculates the Payment?

A payment miscalculation can hurt the borrower, or it may help the borrower, but it is best to avoid the mistake by checking the calculation. Read Article

Web Site Features Home Buyers Should Look For

In shopping for a purchase mortgage on line, home buyers will do best with multi-lender sites that allow anonymous shopping and provide complete, fully adjusted and timely prices. Read Article

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