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

Recent Articles

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

Looking For a Safe Investment With a High Yield? Pay Off Your Mortgage Insurance!

This article describes a new spreadsheet on my site that allows borrowers to assess the benefit and costs of paying off their private mortgage insurance. Read Article

Keeping Tabs on a HECM Reverse Mortgage: A New Tool For Seniors

This article describes a new spreadsheet that allows a senior with a HECM reverse mortgage to assess possible modifications in the way that funds are drawn, and whether a refinance would be beneficxial. Read Article

Some Questions I Have Been Asked

This article looks at 4 of the more interesting questions I have received. Read Article