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

Recent Articles

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

Is a Crisis Brewing in the Market For Sub-Prime Loans on Used Cars?

The used-car loan market is characterized by high prices and high loss rates but there is no bubble in used-car prices supporting the market, and therefore no impending crisis.
Read Article

Should Seniors Buying a House Do It With a HECM Reverse Mortgage?

Seniors can become homeowners without saddling themselves with a monthly payment by using a HECM reverse mortgage. Read Article

Invest In a Larger Down Payment For Incredible Yields With No Risk

Viewing an increase in down payment as an investment, the yields are high and there is no risk. Those saving for a down payment earn that return. Read Article

Will Lenders Pay Borrowers to Take a Mortgage Loan?

The answer is "yes", lenders offer rebates in exchange for a higher interest rate, but whether or not this makes sense for the borrower only the borrower can decide. Read Article

A New Challenge to the HECM Reverse Mortgage Program

Under new HUD rules, which have some scary implications, non-borrowing spouses of HECM borrowers can remain in the house indefinitely following death of the borrower, regardless of the age of the spouse. Read Article