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Jack Guttentag

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items 1-10 out of 207


A rocky transition to double-digit mortgage rates

Sep 26 2014 | 10:20 am - For the last 24 years, mortgage interest rates have been in the single digits, supporting a widespread presumption in the industry that this is the normal state of affairs. Yet mortgage rates were 10 percent or higher during most of the 11-year...

The easy way and the hard way to get a mortgage: the hard way is better

Sep 11 2014 | 2:13 pm - Most homebuyers who need a mortgage place themselves in the hands of a loan officer or mortgage broker referred to them by their real estate agent, or by a friend, relative or business associate. This is the easy way, and I understand its appeal.

CFPB is now a consumer complaint clearinghouse

Sep 04 2014 | 3:41 pm - Financial services often don’t work well for consumers. The trial-and-error technique that consumers rely on in navigating many markets, such as food and clothing markets, does not work well when transactions are large and infrequent.

Don’t expect much from unregulated regulators

Aug 29 2014 | 10:17 am - The seeds of this article were planted in my brain some 30 odd years ago, when I did a consulting project for HUD, for which they contracted to pay me $2,500. Three months after delivery and acceptance of my report by HUD, I realized I had not yet...

Manage your credit score to get the best possible mortgage

Aug 21 2014 | 2:23 pm - How does one manage credit cards so as to generate the highest possible credit score? Credit scores are calculated using a variety of models that have small differences between them and generate similar, but not identical, scores.

Housing bubble differed from buildup in subprime car loans

Aug 14 2014 | 3:56 pm - In a long front-page article in the NY Times last month, Jessica Silver-Greenberg and Michael Corkery answer this question affirmatively. Their article cites numerous parallels to the conditions that led up to the crisis in the subprime mortgage...

Should seniors buying a house do it with a HECM reverse mortgage?

Aug 07 2014 | 3:43 pm - Many home purchasers are seniors. They may want a house that has no stairs, or one that is closer to family or friends, or in a warmer climate. In many cases, they want to downsize.

Yields are incredible when you invest in a larger down payment

Jul 31 2014 | 3:15 pm - Anyone looking to purchase a home within the near future faces many decisions, including how large a down payment to make. Many people put down as little as possible despite having the capacity to put down more because they view the down payment as...

A new challenge to the HECM reverse mortgage program

Jul 17 2014 | 11:24 am - The United States today faces a retirement funds crisis: a rapidly growing number of persons who are retiring without the financial capacity to support themselves during ever-increasing life spans. The HECM reverse mortgage program, which allows...

Two unorthodox ways to pay off a mortgage early

Jul 02 2014 | 4:37 pm - Some schemes for paying off a mortgage early, such as biweeklies and bimonthlies, are offered by lenders while others are entirely within the control of the borrower. This article is about two schemes of the second type that keep popping up in my...

items 1-10 out of 207