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

Recent Articles

Four Ways to Purchase a House With a Reverse Mortgage

This article assesses advantages and disadvantages of purchasing a house with fixed-rate as opposed to adjustable rate HECMs, and paying $1500 as opposed to $7500 in upfront mortgage insurance. Read Article

The Mortgage Document Deluge: Does TRID Help? (4)

his article focuses on transactional documents, which is the most challenging category of closing documents that borrowers receive. Read Article

The Mortgage Document Deluge: Does TRID Help? (3)

This article discusses educational documents received at the closing table, which can be read anytime, and future use documents that do not require attention until after the closing. Read Article

The Mortgage Document Deluge: Does TRID Help? (2)

This article identifies junk documents that are unimportant to borrowers, thoughg it is important that they are able identify them as such. Read Article

The Mortgage Document Deluge: Does TRID Help?

This is the first of a series of articles on whether or not the new TRID disclosure rules will make life easier for mortgage borrowers. It provides a complementary approach where TRID falls short. Read Article

Another Look at Borrower Decisions on HECM Reverse Mortgages

This article takes another look at the three decisions a reverse mortgage borrower must make: the draw option or options, the interest rate/origination fee combination, and the loan provider. Read Article

Savings Discipline: Where It Is Plentiful and Where It Is Scarce

Mechanisms for encouraging savings discipline are abundant when the objective is home ownership or acquisition of costly consumer goods, but not when the objective is a comfortable retirement. Read Article

Assuring Price Integrity In a Dysfunctional Market: Introducing the HECM Price Checker

To help reduce large price spreads in the HECM reverse mortgage market, my kosher calculator now includes a "price checker" that allows users to assess the reasonableness of any price quote. Read Article

Becoming a Homeowner When You Don't Now Qualify For a Mortgage

This article looks at lease-to-own contracts and land contracts as alternative ways to transfer ownership of a home to wannabee owners who can't qualify for conventional financing now but might in a year or two. Read Article

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