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

Recent Articles

Revising the Standard Mortgage to Meet Today's Challenge

This article describes a home mortgage design that would encourage borrowers to repay the loan balance ASAP. Read Article

Can Mortgage Shoppers Rely on the APR?

A mandated disclosure, the APR is a deficient guide that mortgage borrowers use to make decisions at their peril. Read Article

Why the HECM Reverse Mortgage Market Is Stunted – and What Can Be Done About it

Overcoming the anxiety, suspicion and distrust with which most senior homeowners view reverse mortgages requires a new counselling system that focuses on how a reverse mortgage might strengthen the senior’s retirement plan. Read Article

Another Look at Simple Interest Mortgages

Simple interest mortgages may be more widespread than anybody realizes, and they have been neglected by the Federal mortgage agencies. Read Article

Planning for Retirement: The Missing Piece

This article describes a new retirement planning calculator, available here, that integrates HECM reverse mortgages into the planning process. Read Article

Is the CFPB Crack Down on Payday Loans In the Public Interest?

Implementation of the CFPB’s new rules on payday lending will probably terminate the market, hurting the few who use the market responsibly but benefiting the many who become payday loan addicts. Read Article

Some Questions about Refinancing

Mortgage refinancing can be a straightforward process, but complications
often arise. A few of the common ones are described in this article. Read Article

Impending Changes to the HECM Reverse Mortgage Program

Seniors who have procrastinated about getting a HECM reverse mortgage will receive less after October 2 when new rules take effect, but there is still time to get in under the wire if they move fast. Read Article