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

Recent Articles

Introducing the Manageable Mortgage

This article describes a type of mortgage that defines the borrower's obligation in terms of the loan balance rather than the monthly payment, which makes it more flexible and easier to manage, and should result in fewer defaults. Read Article

Why the Standard Mortgage Is Obsolete

The standard mortgage is needlessly difficult for many borrowers to manage because of its rigid payment amount, payment period and payment obligation. Read Article

Is the Wealth-Builder Mortgage All Smoke and Mirrors?

This attempt to marry the rapid wealth-accumulation feature of the 15-year mortgage with the low payment advantage of the 30-year, doesnt work. Read Article

Why Many Good Mortgage Loans Are Not Being Made

This article identifies the underwriting rules that became excessively restrictive after the financial crisis, which are preventing good loans from being made. Read Article

Introducing the Kosher HECM Reverse Mortgage

his article describes the feaatures of a HECXM reverse mortgage designed to meet the needs of seniors by overcoming complexity and conflicts of interest. Read Article

How to Eliminate Third Party Settlement Costs

This article argues that the price of third party settlement costs would drop like a rock if lenders had to purchase them and include the price in the price of the loan. Read Article

Instead of Scrapping Fannie and Freddie, Lets Use Them to Make a Better Primary Market

This article sets out the case for retaining Fannie and Freddie for the [purpose of improving the primary market, which they could do in a number of ways that include the elimination of third party settlement costs. Read Article