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

Recent Articles

Revisiting a Perennial Problem: How to Pay Off Your Mortgage Balance Faster Without Being Scammed

Mortgage borrowers don't need anyone's help in developing an extra payment plan that will pay off the balance early. Read Article

Protecting Borrowers In Dysfunctional Markets: A Major Challenge to CFPB

The CFPB's critique of advertising by reverse mortgage lenders will accomplish very little unless the agency finds a way to encourage the growth of competition in this market. Read Article

The Pre-Crisis HELOC Chickens Are Coming Home to Roost

Borrowers who took out HELOCs shortly before the financial crisis are facing higher mortgage payments as their HELOCs become fully amortizing and increases in interest rates loom. Read Article

Reflections on Mandatory Counseling

Mandatory counseling on standard mortgages with risky features was introduced recently after lenders stopped writing them, while in the HECM reverse mortgage market mandatory counseling prevents mistakes of commission but not mistakes of omission. Read Article

Is Another Housing Price Bubble Looming?

This article explains why we won't see another housing price bubble in this generation. Read Article

Senior Homeowners Can Reduce the Risk of Outliving Their Money But They Must Unlearn a Shopping Rule

This article uses a new spreadsheet tool to integrate a HECM credit line into a retirement funds strategy designed to avoid running out of money. Read Article

Why Small Home Mortgage Loans Are Hard to Find

Providing small nortgage loans at affordable prices has always been a challenge because most lending costs are fixed rather than scaled to loan size. Read Article

Locking the Mortgage Price: Some Questions to Ask the Lender

Five questions borrowers should ask their lender about locking the price before proceding further. Read Article

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