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

Recent Articles

Confronting the Three HECM Reverse Mortgage Decisions

This article describes the three major decisions a senior should make when taking a HECM, otherwise the decisions will be made for them. Read Article

Payday Loans: The Worst Abuse Is Not Regulated

Payday loans are quick and convenient for occasional use, but too many users become payday loan junkies. Rules are needed to discourage habitual use. Read Article

Should You Take a Reverse Mortgage Now, or Would it Be Better to Wait?

While the draw amounts available on a HECM reverse mortgage may increase modestly as the borrower gets older and her property appreciates, they will decline precipitously with only modest increases in interest rates. Read Article

Shift Control of Appraisals to Mortgage Borrowers: Some Further Thoughts

This article looks at the role of appraisal management companies and the secondary market agencies in the shift to a system of borrower control of appraisals. Read Article

Shift Control of Appraisals to Mortgage Borrowers

This article argues that shifting control of appraisals to borrowers would reduce their costs and make them more effective shoppers. Read Article

Five Ways a HECM Reverse Mortgage Can Ease the Retirement of Homeowners

This article explains and illustrates 5 different situations in which a HECM reverse mortgage will help senior homeowners. Read Article

Will a HECM Reverse Mortgage Leave Nothing For My Heirs?

This article relates the different uses borrowers make of their HECM reverse mortgage to the amount of home equity they leave to their heirs. Read Article

Mortgage Repayment: Questions About Weird Tricks For Paying Down the Balance Faster (Last of Four)

This article examines the validity of some weird ideas for paying down the mortgage balance faster than scheduled. Read Article

Mortgage Repayment: Questions About Systematic Extra Payment Plans (Third of a Series)

This article examines a number of plans that may be available to mortgage borrowers allowing them systematically to pay down their mortgage balance before term. Read Article