Certified Loan Providers

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

Jan
24

On Balloon Mortgages Coming Due In the Post-Crisis Market

Borrowers with underwater balloon loans now coming due can negotiate a refinance or modification with their lender, who does not want to leave a borrower with no option but to default. Read Article

Jan
20

Finding a Mortgage on the Professor's Certified Lender Network

This article describes the advantages to borrowers of finding their mortgage on the professor's Certified Lender Network. Read Article

Jan
09

Selecting the Best Combination of Mortgage Interest Rate and Lender Fees (Second of 2)

This article describes an integrated calculator that indicates the lowest cost combination of rate and lender fees, on the type of mortgage preferred by the borrower, over the borrower's time horizon. Read Article

Jan
02

Integrated Calculators Ease the Pain of Making Difficult Mortgage Decisions

This article describes a calculator that uses live price data to help borrowers select the type of mortgage that best meets their needs. Read Article

Dec
26

Why Doesn't Competition in the Home Mortgage Market Provide the Benefits Expected From Competition?

Competition in the home mortgage market doesn’t generate the benefits expected from competition because most mortgage borrowers are required to select a lender before they know the price. Read Article