Jack M. Guttentag The Mortgage Professor

The State of Reverse Mortgages: Part I

2009-12-24 13:30:55

A reverse mortgage puts more money in the pockets of seniors by allowing equity depletion while they are still alive. ...Read full article

Some Irresistible Deals Should Be Resisted

2009-12-18 17:25:57

Avoiding this major mistake will save borrowers lots of cash. ...Read full article

The Mortgage Loan Process in 6 Steps

2009-12-04 15:39:50

Mortgage shoppers need to have some understanding of the major steps involved in obtaining a loan. ...Read full article

Should You Change Jobs Before Applying for a Mortgage?

2009-11-25 10:21:36

Here’s how changing jobs or starting your own business will impact the way a mortgage underwriter views your income. ...Read full article

The New GFE Will Help Borrowers

2009-11-20 17:26:47

On January 1, a redesigned Good Faith Estimate will become effective, and it will make mortgage shopping a little easier. ...Read full article

Is Interest on Home Mortgages Front-End Loaded?

2009-11-10 17:02:43

The mortgage industry's big secret has been taking homeowners for a very costly ride. ...Read full article

Shrewd Mortgage Borrowers Know Their PNPs

2009-10-23 18:03:16

With any mortgage, borrowers must understand the "pricing notch point." ...Read full article

The Mortgage Crisis: U.S. vs. Denmark, Part II

2009-10-16 17:55:32

Relaxation of lending standards in Denmark was far less than in the U.S., a big reason mortgage defaults were smaller there. ...Read full article

The Mortgage Crisis: The U.S. vs. Denmark

2009-10-09 16:42:37

Here’s a look at the impact of the crisis on the U.S. and Denmark, and what it says about their strengths and weaknesses. ...Read full article

Knowing Which Mortgage Prices Are Lower: The Time Horizon Cost

2009-09-21 17:57:32

A much more useful measure than APR in measuring cost to the borrower in mortgages is the time horizon cost. ...Read full article

How Do You Know Which Mortgage Prices Are Lower?

2009-09-14 17:52:29

Developing a composite measure of all mortgages costs was a great idea, but APR is the wrong measure. ...Read full article

The Appraisal Debacle: How Not to Regulate

2009-09-04 10:06:03

Rules meant to curb abuses during the housing bubble are now doing more harm than good. ...Read full article

How to Jump-Start Mortgage Loan Modifications

2009-08-26 14:54:27

While the number of modifications is rising, it is running far behind the need. ...Read full article

Facts About Rescinding a Mortgage Refinance

2009-08-17 13:40:13

If you are thinking about canceling a refinancing, here's what you need to know. ...Read full article

Avoiding Lock Problems in a Crisis Market

2009-07-30 15:27:59

Locking the price of a mortgage is full of potential problems for the unwary borrower. ...Read full article

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