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

Recent Articles

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

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