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

Recent Articles

Apr
29

Will Shutting Captive Reinsurance Affiliates Reduce the Cost of Mortgage Insurance to Borrowers?

This article argues that the recent action of the CFPB to shut down captive reinsurance affiliates is more likely to raise borrowers costs than reduce them. Read Article

Apr
29

Navigating the Mortgage Pricing Maze

This article explores the various risk factors thatn affect thje interest rate on a home mortgage, and the extent to which they are controllable by borrowers. Read Article

Apr
29

Sub-Prime 2013 Edition: It is Government Insured

This article describes a sub-prime segment of the FHA market that arises from the absence of credit score requirements. Read Article

Apr
20

Discrimination by Mortgage Brokers; How Not to Fix it

Recently-enacted regulations designed to prevent mortgage brokers from charging some borrowers more than other will result only in higher mortgage broker fees to all borrowers. Read Article

Apr
04

How Does a Mortgage Borrower Avoid Lock Scams?

Locking the mortgage price has become more difficult since the financial crisis, lock scams are probably more widespread, but there are ways for borrowers to protect themselves. Read Article