Certified Loan Providers

Jack M. Guttentag is Professor of Finance Emeritus at the Wharton School of the University of Pennsylvania. More
Sign up to Receive New Articles

Recent Articles

Jan
28

Refinance or Modify While It Is Still Possible

This article contrasts the requirements for refinancing into a new mortgage with the requirements for modifying the terms on an existing one. Read Article

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