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Mortgages
Retirement Funds
Integrator (RFI)™*
The 4% rule is now obsolete.
* The Retirement Funds Integrator has a patent pending.
Professor. Author. Advocate.
Jack M.Guttentag is Professor of Finance Emeritus at the Wharton School of the University of Pennsylvania and author of The Mortgage Encyclopedia. Throughout his career, Professor Guttentag has been concerned with the difficulties faced by consumers in the home loan market.
Most Recent Articles
November 30, 2017
Encouraging First-Time Home Buyers to Save for a Down Payment
November 20, 2017
Revising the Standard Mortgage to Meet Today's Challenge
November 16, 2017
Can Mortgage Shoppers Rely on the APR?
November 09, 2017
Why the HECM Reverse Mortgage Market Is Stunted – and What Can Be Done About it
November 02, 2017
Another Look at Simple Interest Mortgages
October 19, 2017
Planning for Retirement: The Missing Piece
October 12, 2017
Is the CFPB Crack Down on Payday Loans In the Public Interest?
October 05, 2017
Some Questions about Refinancing
Most Widely Read
July 24, 2009
What Is a HELOC?
September 17, 2016
Mortgage Interest Rate Fundamentals
August 11, 2016
How to Pay Off a 30 Year Mortgage in 15 Years - Without Being Scammed
April 03, 2017
Qualifying For a Mortgage
March 05, 2015
Buying a New House Before Selling the Old One
Retirement & Reverse Mortgages
October 19, 2017
Planning for Retirement: The Missing Piece
January 17, 2016
Life Annuities and HECM Reverse Mortgages as Tools for Protecting Retirees
January 10, 2016
How Retirees Can Avoid Running Out of Money: The Role of Longevity Annuities
August 16, 2017
Shopping Effectively for a HECM Reverse Mortgage
July 27, 2017
Purchasing a House With a HECM Reverse Mortgage: How to Do it Right
Paying Off Mortgages ASAP
February 25, 2015
Mortgage Borrowers Thinking About Paying Down Their Loan Balance Should Know How Mortgage Amortization Works
February 19, 2016
Mortgage Repayment: Questions About Repayment as an Investment
February 29, 2016
Mortgage Repayment: Questions About Systematic Extra Payment Plans
February 23, 2016
Mortgage Repayment: Questions About Monthly Payment Management
March 09, 2016
Mortgage Repayment: Questions About Tricks For Paying Off Faster
Shopping for a Mortgage
June 22, 2012
How Many Lenders Should I Shop?
March 14, 2015
What Is Live Mortgage Pricing?
October 16, 2016
What Mistakes Do Mortgage Shoppers Make?
July 08, 2015
Web Site Features Home Buyers Should Look For
November 07, 2016
Mortgage Shopping at Multi-Lender Web Sites -- What to Look For
Public Policy
September 21, 2017
Another Method of Encouraging Home Equity Growth: A Right to Recast
November 09, 2017
Why the HECM Reverse Mortgage Market Is Stunted – and What Can Be Done About It
March 24, 2016
Shift Control of Appraisals to Mortgage Borrowers
January 23, 2017
Market Dysfunction: Another Remediable Weakness of the Home Loan Market
December 18, 2013
What Should Be Done With Fannie Mae and Freddie Mac?
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