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

Recent Articles

A New Challenge to the HECM Reverse Mortgage Program

Under new HUD rules, which have some scary implications, non-borrowing spouses of HECM borrowers can remain in the house indefinitely following death of the borrower, regardless of the age of the spouse. Read Article

Delay Takig Social Security If You Can Manage it

This article describes how a HECM reverse mortgage can be used to execute an advantageous delay in drawing social security payments Read Article

Two Unorthodox Ways to Pay Off a Mortgage Early

The early mortgage payoff schemes discussed here have serious flaws but readers might use them as a starting point to develop a scheme that works for them. Read Article

Mortgage Pre-Approvals May Help Home Buyers, or May Not

Prospective home buyers who cannot purchase a house without a mortgage but do not have access to more powerful strategies for impressing sellers should get a pre-approval letter, but make sure it is signed by by the lender’s underwriter.  
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Should More Consumers Be Selecting an Adjustable Rate Mortgage?

ARMs are attractively priced for mortgage borrowers who don't expect to live in their house forever. Read Article

Should My Spouse and I Apply For a Mortgage Jointly, or Should I Apply on My Own?

This article considers the pros and cons of applying for a mortgage jointly as opposed to applying singly. Read Article

When to Ignore the APR and When to Use It

The list of situations in which the APR can help a borrower make an informed decision is much shorter than the list of situations in which it is useless or worse. Read Article