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

Recent Articles

Conventional Versus FHA: Which Do You Choose?

This article compares the complete costs of FHA versus conventional mortgages over periods of 5, 10 and 15 yeaars, for loan amounts of $200,000, $400,000 and $600,000. Read Article

The Transition to Double-Digit Mortgage Interest Rates

An interest rate spike that catches mortgage applicants in process who have not yet locked will be a major blow to reverse mortgage applicants, because few of them are locked and fewer still are aware of this risk. Read Article

What Are "No-Cost Mortgages", and Are They a Good Deal?

No-cost mortgages are those on which the lender pays all or most of the upfront costs in exchange for a higher interest rate. They may be a good deal for borrowers with short time horizons, and may be relatively simple to shop for. Read Article

The Easy Way and the Hard Way to Get a Mortgage: The Hard Way Is Better

Managing the mortgage process yourself, as opposed to leaving it in the hands of a loan originator, can be an investment with a large payoff. Read Article

The CFPB Is Now a Consumer Complaint Clearinghouse: Will That Help Consumers?

This article assesses the benefits to consumers, and the limitations, of being able to lodge complaints about a financial service provider to a government agency. Read Article

Don't Expect Much From Unregulated Regulators

Since 2008, HUD has left ambiguous whether HECM reverse mortgage lenders could offer borrowers rebates in exchange for a higher interest rate on home purchase transactions, but HUD just might respond to this article. Read Article

Some Questions About Credit Scores

Credit scoring is not an exact science, and these are some of the questions that borrowers ask frequently. Read Article