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

Recent Articles

Is the Annual Percentage Rate (APR) a Useful Disclosure?

This article describes important categories of mortgage borrowers for whom the APR is not a useful disclosure. Read Article

What Mistakes Do Mortgage Shoppers Make?

This article describes common mistakes that mortgage shoppers make, and how to avoid them. Read Article

Preparing For Retirement Emergencies

This article argues that a HECM reverse mortgage is the best way to prepare for some common retirement emergencies, including major home or car repairs, and outliving your savings. Read Article

If you Need a Mortgage to Buy a House, You Also Need an Appraisal

This article argues that appraisals have become a market bottleneck because of the misguided regulation that appraisals must be ordered through appraisal management companies. Read Article

"Buy One, Get One Free?" There Is No Such Thing!

This article argues that offering two items for the price of one instead of cutting the price of one in half may increase sales in the short run but will be a loser in the long run. Read Article

Mortgage Interest Rate Fundamentals

This article explains what a mortgage interest rate is, and how it is related to other features of a mortgage loan transaction. Read Article

HECM Reverse Mortgages: A Strategy For Seniors

This article describes a simple strategy seniors can use to find their best HECM draw options using my HECM calculator. Read Article

How Do You Know Whether Mortgage Refinancing Pays?

Borrowers are advised to assess the merits of a refinance using one of my calculators, because the popular method of calculating a break-even period is subject to serious error. Read Article

Do Large Principal Payments Reduce Monthly Payments?

Many borrowers would like a mortgage on which the monthly payment would drop following a large payment to principal, but whether that happens or not depends on the type of mortgage they have. Read Article