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

Recent Articles

Should You Put Down as Little as Possible When You Buy a House?

While most home buyers with excess cash will do well to invest in a larger down payment, a few will use the excess to purchase more house. Read Article

Does it Make Sense to Take a HECM Reverse Mortgage on a Million Dollar Home?

Most seniors who post excess collateral on a HECM because their homes are worth more than the FHA maximum claim amount, retain the excess or pass it to their heirs. Read Article

Avoiding Credit Card Scams: Advice From Knowledgeable Readers

This article describes some useful tactics suggested by readers for avoiding unauthorized credit card charges. Read Article

Managing a HECM Reverse Mortgage When One Spouse is Significantly Older Than the Other

This article explains the multiple options available to a HECM borrower who wants to protect a spouse too young to be a co-borrower. Read Article

How I Was Scammed (Don't Let it Happen to You!)

On the internet, you can be billed just for looking! Read Article

Manufactured Housing: A New Role For Fannie and Freddie?

Fannie Mae and Freddie Mac will try to unlock the unrealized potential of manufactured housing by supporting the market for chattel loans, which are secured by houses excluding land. Read Article

Down Payment Assistance Programs: Will They Result in More Defaults?

Down payment assistance programs have mostly been FHA-based, including the most recent version involving assistance from state housing finance agencies, on which the jury is still out. Read Article

Can You Shop For the Best Deal on a HECM Reverse Mortgage?

Yes, but the variables for which reverse mortgage borrowers should shop vary with their objective, and in no case are they the interest rate and lender fees. Read Article

With Interest Rate Increases on the Horizon, Mortgage Borrowers Should Lock the Price ASAP

This article explains why this is a good time for mortgage borrowers to lock the price of their mortgage, and how to lock the right price. Read Article