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

Recent Articles

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

Delay Takig Social Security If You Can Manage it

This article describes how a HECM reverse mortgage can be used to execute an advantageous delay in drawing social security payments Read Article

Two Unorthodox Ways to Pay Off a Mortgage Early

The early mortgage payoff schemes discussed here have serious flaws but readers might use them as a starting point to develop a scheme that works for them. Read Article

Mortgage Pre-Approvals May Help Home Buyers, or May Not

Prospective home buyers who cannot purchase a house without a mortgage but do not have access to more powerful strategies for impressing sellers should get a pre-approval letter, but make sure it is signed by by the lender’s underwriter.  
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Should More Consumers Be Selecting an Adjustable Rate Mortgage?

ARMs are attractively priced for mortgage borrowers who don't expect to live in their house forever. Read Article