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

Recent Articles

Is a Crisis Brewing in the Market For Sub-Prime Loans on Used Cars?

The used-car loan market is characterized by high prices and high loss rates but there is no bubble in used-car prices supporting the market, and therefore no impending crisis.
Read Article

Should Seniors Buying a House Do It With a HECM Reverse Mortgage?

Seniors can become homeowners without saddling themselves with a monthly payment by using a HECM reverse mortgage. Read Article

Invest In a Larger Down Payment For Incredible Yields With No Risk

Viewing an increase in down payment as an investment, the yields are high and there is no risk. Those saving for a down payment earn that return. Read Article

Will Lenders Pay Borrowers to Take a Mortgage Loan?

The answer is "yes", lenders offer rebates in exchange for a higher interest rate, but whether or not this makes sense for the borrower only the borrower can decide. Read Article

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 Taking 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