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

Recent Articles

Buying a New House Before Selling the Old One

This article considers 4 possible ways that a homeowner who needs the equity in his current house to purchase a new house, can buy the new house before selling the old one. Read Article

Mortgage Borrowers Thinking About Paying Down Their Loan Balance Should Know How Amortization Works

This article explains what borrowers looking to pay down their mortgage balance early should know about mortgage amortization. Read Article

Does the New CFPB Rate Tool Help Consumers Shop For a Mortgage?

This article explains why the CFPB's new rate tool does not help consumers shop for a mortgage more effectively, and points them to a tool that does. Read Article

Why Do Some Borrowers Pay Higher Mortgage Interest Rates Than Others?

This article distinguishes justified and unjustified differences in mortgage interest rates, a distinction required in fashioning a valid rate shopping tool. Read Article

Some Recent Letters On Downsizing and Mortgage Lender Mistakes

Each incident described in these letters is unusual, but it is not unusual for some such incident to arise. Read Article

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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