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

Recent Articles

Homeownership Is Not For Everyone

People who are unable to delay gratifications are not cut out to be homeowners because they live paycheck to paycheck, and cannot cope with the irregular and unexpected expenses that invariably accompany home ownership. Read Article

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Why the Standard Mortgage Is Obsolete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