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

Recent Articles

Forget the Homownership Rate, It Is the Process That Matters

A major weakness of the home ownership process is the mortgage loan originator, who has a powerful incentive to use his superior knowledge of the process to benefit himself rather than the borrower. Read Article

To Avoid Outliving Your Money, Take a HECM Reverse Mortgage Before Interest Rates Rise

This article explains why seniors who take HECM credit lines before interest rates increase get gthe benefit of large initial lines, followed by large increases in the lines when rates begin to rise. Read Article

Can Bad Financial Habits Be Unlearned?

This article provides some suggestions for converting bad financial habits into good ones. Read Article

Homeownership Is Not For Everyone

People who are unable to delay gratifications are not cut out to be homeowners because they live paycheck to paycheck, and cannot cope with the irregular and unexpected expenses that invariably accompany home ownership. Read Article

Introducing the Manageable Mortgage

This article describes a type of mortgage that defines the borrower's obligation in terms of the loan balance rather than the monthly payment, which makes it more flexible and easier to manage, and should result in fewer defaults. Read Article

Why the Standard Mortgage Is Obsolete

The standard mortgage is needlessly difficult for many borrowers to manage because of its rigid payment amount, payment period and payment obligation. Read Article

Is the Wealth-Builder Mortgage All Smoke and Mirrors?

This attempt to marry the rapid wealth-accumulation feature of the 15-year mortgage with the low payment advantage of the 30-year, doesnt work. Read Article