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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 Making Extra Mortgage Payments Better Than Refinancing?

This article explains how the refinance and the extra payment decisions are related, and how to deal with situations where both are live options. Read Article

Should Home-Sellers Pay the Settlement Costs of Buyers?

This article considers the implications for sellers and buyers of the seller agreeing to pay the buyer's settlement costs. Read Article

How to Unleash the HECM Reverse Mortgage Market - Part 2

This article explains why the existing HECM reverse mortgage market is a "gotcha" market, and how to convert it into a shoppers market. Read Article

How to Unleash the HECM Reverse Mortgage Market - Part 1

This article relates the fear, ignorance and distrust that permeate this market to a dysfunctional market structure that has none of the features of a shoppers market. Read Article

Rent or Buy? A Question That Never Seems to Go Away

This article compares the analytical approach to rent-versus-buy to the emotional approach. Read Article

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

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