Jack M. Guttentag The Mortgage Professor

Fixing the Crisis by Fixing the System, Part 2

2008-05-07 16:58:08

The vulnerability of the mortgage system could be reduced by having private mortgage insurance policies cover the risk. ...Read full article

Fixing the Housing Crisis by Fixing the System, Part 1

2008-04-30 00:01:00

The core issue in the mortgage crisis is the flawed way in which the industry manages default risk. This can be fixed. ...Read full article

Locking the Mortgage: Critical in a Volatile Market

2008-04-23 00:28:00

When it comes to committing to a mortgage lock in a rocky market, both the borrower and lender have responsibilities. ...Read full article

When Foreclosure Is the Unwise Choice

2008-04-16 12:00:15

If it costs an investor more to foreclose on a mortgage than to make it viable, then it is a needless foreclosure. ...Read full article

Mortgage Amortization: How Does It Work?

2008-04-09 00:00:00

Few borrowers truly understand how mortgages amortize, and some professionals don’t either. Here’s what you should know. ...Read full article

What Makes a Good Mortgage Broker? Part II

2008-04-02 12:00:13

Here are some crucial points to consider when you are in the market for a broker. ...Read full article

What Makes a Good Mortgage Broker? Part I

2008-03-26 18:29:02

Here's how to know a good broker when you see one. ...Read full article

Should 'Skin in the Game' Be a Requirement to Play?

2008-03-19 00:01:00

Should everyone in the mortgage chain have something to lose if the loan goes bad? ...Read full article

The Elephant in the Room

2008-03-17 17:00:35

The key factor of the mortgage crisis -- the way in which the industry manages default risk -- has been overlooked. ...Read full article

Mortgage Concepts Home Buyers Should Know

2008-03-12 13:20:14

Home buyers can get into trouble if they are not clued into the sequence of steps involved in financing their purchase. ...Read full article

Riding Piggyback in a Stressed Market

2008-02-27 00:05:00

Whether a piggyback mortgage saves the borrower money relative to mortgage insurance depends on many factors. ...Read full article

Project Lifeline: Many Questions Remain

2008-02-20 12:04:41

Reaching out to distressed borrowers is a good idea. But questions remain for the servicers involved in Project Lifeline. ...Read full article

Federal Reserve Board to the Rescue? Part III

2008-02-13 13:58:19

This week’s column examines how the Board would curb servicing abuses. ...Read full article

Federal Reserve Board to the Rescue? Part II

2008-02-06 12:01:09

This week, I look at the Board's proposed approach to curbing abuses by mortgage brokers. ...Read full article

Federal Reserve Board to the Rescue? Part I

2008-01-30 00:14:00

The Federal Reserve Board released proposals for curbing mortgage abuse. But are they too late? ...Read full article

An authoritative yet concise guide to the mysteries of mortgage finance, arranged alphabetically from "A-Credit" to "Zero Balance." Includes information that will help you decide whether to use a mortgage broker, learn if you can avoid mortgage insurance, and much more. Reach for this indispensable guide and get the fast, accurate information you need!

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