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

Recent Articles

Mortgage Referral Fees and the Public Interest

This article explains why RESPA has not succededed in reducing the settlement costs of mortgage borrowers, and what is needed to do the job. Read Article

Mortgage Points: A Powerful Option That Is Often Neglected

The financial position of a mortgage borrower can sometimes be improved by adjusting the interest rate and points, but it takes a little wortk and often doesn't happen. Read Article

What is Live Mortgage Pricing?

This article describes the various circumstances under which mortgage shoppers cannot place credence in a mortgage price quote because the quote is not believable. Read Article

Selecting the Type of Mortgage That Best Meets Your Needs

This article guides borrowers to the mortgage type that best meet their needs, which is the mortgage that costs them the least over their time horizon subject to thje payment being affordable. Read Article

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

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