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

Recent Articles

After March 2, Reverse Mortgage Borrowers Will Have to Prove They Are Not Deadbeats

In order to end the rise in property tax defaults by HECM reverse mortrgage borrowers, effective March 2 new borrowers will be subject to income and credit requirements. Read Article

How Can You Be Certain That Refinancing Will Save You Money? Use the Integrated Refinance Calculator

This article describes a new refinance calculator that is integrated with a loan pricing network, assuring the accuracy of the new mortgage price.

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The Fixed-Rate/Adjustable Rate Decision: Standard Versus HECM Reverse Mortgages

The criteria for choosing between a fixed and an adjustable rate are very different for standard mortgages and HECM reverse mortgages. Read Article

Transitioning From a Standard Mortgage to a Reverse Mortgage

Converting a standard mortgage to a reverse mortgage works for seniors who want to increase their consumption, but not for those who want to increase their wealth. Read Article

A New Approach Toward Selecting a Mortgage Loan Originator

This article describes the advantages to mortgage borrowers of selecting mortgage loan originators who have been certified by an unbiased third party. Read Article

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