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

Recent Articles

The Tontine: A 17th Century Solution to a 21st Century Problem:

The tontine, in which partners in an investment fund agree that the shares of those who die are diivided among the others, has some interesting modern applications,summarized here. Read Article

A New Approach to Protecting Consumers In Financial Markets

Seniors can now get disinterested counseling on whether a HECM reverse mortgage will benefit them from experts who have no financial interest in whether they borrow or not. Read Article

What Happens When the Lender Miscalculates the Payment?

A payment miscalculation can hurt the borrower, or it may help the borrower, but it is best to avoid the mistake by checking the calculation. Read Article

Web Site Features Home Buyers Should Look For

In shopping for a purchase mortgage on line, home buyers will do best with multi-lender sites that allow anonymous shopping and provide complete, fully adjusted and timely prices. Read Article

Revisiting a Perennial Problem: How to Pay Off Your Mortgage Balance Faster Without Being Scammed

Mortgage borrowers don't need anyone's help in developing an extra payment plan that will pay off the balance early. Read Article

Protecting Borrowers In Dysfunctional Markets: A Major Challenge to CFPB

The CFPB's critique of advertising by reverse mortgage lenders will accomplish very little unless the agency finds a way to encourage the growth of competition in this market. Read Article

The Pre-Crisis HELOC Chickens Are Coming Home to Roost

Borrowers who took out HELOCs shortly before the financial crisis are facing higher mortgage payments as their HELOCs become fully amortizing and increases in interest rates loom. Read Article

Reflections on Mandatory Counseling

Mandatory counseling on standard mortgages with risky features was introduced recently after lenders stopped writing them, while in the HECM reverse mortgage market mandatory counseling prevents mistakes of commission but not mistakes of omission. Read Article

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