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

Recent Articles

Will We Have Another Financial Crisis? Are We Prepared For One?

We will have another financial crisis, and in its misguided attempt to eliminate “too big to fail”, Dodd/Frank removed or weakened the tools that were used to contain the last crisis. Read Article

Multiple Mortrgage Prices Complicate Shopping For the Best Deal

This article explains why shopping for the best mortgage deal is done best on a multi-lender network. Read Article

Qualifying For a Mortgage

This article provides an overview of what qualification means and its relationship to loan approval and affordability. Read Article

Which HECM Reverse Mortgage Best Meets Your Needs?

This article shows how borrowers should choose the particular reverse mortgage features that work best for them, given their financial needs and preferences. Read Article

A Different Way For Homeowners to Raise Funds: the Point System

This article examines the Point system which allows a homeowner with significant equity to raise cash now in exchange for repayment plus a share of future appreciation. Read Article

When Is Regulation Excessive?

Using examples from the home mortgage market. this article explains how to determine whether existing regulations are effective. Read Article

Planning For a Comfortable Future at 62: How Does Expected Life Span Enter the Picture?

This article examines the options available to a homeowner of 62 who requested my help in planning his retirement finances. Read Article

Emerging Tight Money May Hit the Mortgage Market Hard

Escape hatches that softened the impact of rising interest rates in the past, are no longer available, thanks to Dodd/Frank and regulatory caution. Read Article

Why Do Borrowers Pay For Mortgage Insurance?

This article explains why mortgage insurance paid directly by borrowers is more costly to them than a system where the cost of insurance is included in the price of the mortgage. Read Article