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

Recent Articles

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

Should You Pay Off an Existing Mortgage Balance Before Taking a HECM Reverse Mortgage?

Borrowers who can't shop effectively, which is most of them, will do better paying off their existing mortgage balance before taking a HECM. Read Article

Income Replenishment With a Reverse Mortgage

This article explains how a HECM reverse mortgage can be tailored to the needs of a senior whose income is expected to plunmmet at some future time. Read Article

Perspectives on Down Payment Requirements

This article explains what the down payment is, where it can come from, why it is so important to lenders, and what the requirements are in today's markets. Read Article