Jack M. Guttentag The Mortgage Professor

FHA Mortgage Update

2009-03-04 17:30:57

The importance of the FHA in the mortgage market has changed, largely because of changes in the broader market. ...Read full article

Little Income, Lots of Equity; and the Pros, Cons of HELOCs

2009-02-28 10:46:03

The problem of substantial equity and a small income; when you should and shouldn't take out a HELOC. ...Read full article

Will Tougher Rules for Brokers Help Borrowers?

2009-02-19 08:53:47

It's a good idea to have all loan originators licensed and certified, but don't expect big changes in how the system works. ...Read full article

Who Gets to Refinance?

2009-02-09 17:21:47

The requirements of government agencies largely dictate who can and cannot profit from a refinance. ...Read full article

Saving the Banks Without Breaking the Bank

2009-02-04 12:54:25

Assisting borrowers rather than lenders will cost less in the short and long term. ...Read full article

The Best Way to Refinance With a No-Cost Mortgage

2009-01-26 22:11:43

Here’s how you can reap the benefits of a no-cost mortgage without paying an excessive price for it. ...Read full article

Combating the Financial Crisis: The Foreclosure Challenge

2009-01-21 07:49:12

The financial crisis will not end until home prices stop declining and foreclosed homes stop flooding the market. ...Read full article

Maybe the Banks Should Be "Hoarding" Money

2009-01-12 22:11:36

So the banks have received capital from the government but are not lending. Well, perhaps "hoarding" is the right idea. ...Read full article

Mortgage Shopping in a Stressed Market

2008-12-31 09:04:50

Stresses in the home loan market have changed the ground rules for borrowers in many ways. Here's what you should know. ...Read full article

Some Loan Modifications Are Better Than Others

2008-12-23 19:44:39

Here are the major types of loan modifications and their cost to the investor and value to the borrower. ...Read full article

Making Smart Decisions on Mortgage Repayment

2008-12-16 18:22:44

The financial crisis has hurt retirement plans for many seniors. Here's a guide to making mortgage-repayment choices. ...Read full article

Is the FDIC Plan the Answer?

2008-12-10 17:34:02

The FDIC’s plan to attack the root source of the financial crisis falls short for three reasons. Here they are. ...Read full article

Shopping Web Site Mortgage Marvel

2008-12-03 13:06:25

Here is a review of Mortgage Marvel, which is not ideal as a multi-lender shopping site but proves useful for referrals. ...Read full article

Where to Go for a Jumbo Loan

2008-11-26 08:48:39

If you need a home loan larger than $417,000 (a "jumbo" in mortgage-speak), there are a few rules to keep in mind. ...Read full article

Wholesale Rates and the Evolution of a Crisis

2008-11-19 23:57:49

Here's a hard look at wholesale mortgage interest rates -- and what they say about the mortgage meltdown. ...Read full article

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