Jack Guttentag
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Mortgage Professor: Pay early, save on mortgage interestMay 07, 2011 12:00 am - A frequently asked question is whether a mortgage borrower receives any benefit from paying before the due date. In most cases, the answer is “no,” but there are a few e...
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Mortgage Professor: Refi into ARM for faster mortgage payoffApr 30, 2011 12:00 am - One of the interesting features of the current mortgage scene is that some borrowers with adjustable-rate mortgages, or ARMs, are refinancing into fixed-rate mortgages (...
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Mortgage Professor: Little-known secret to get payment reducedApr 23, 2011 12:00 am - A mortgage recast is an adjustment in the monthly payment that makes the payment fully amortizing. The recast will be a payment increase when the existing payment is les...
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Mortgage Professor: ‘Delta mortgage banks’ to the rescue?Apr 16, 2011 12:00 am - Part 3: Flaws in Obama’s mortgage reform plan The previous article in this series critiqued the Obama administration’s proposal for a new federal reinsurance program on...
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Mortgage Professor: Three defects of mortgage privatizationApr 10, 2011 12:00 am - Editors note: This is the second column in a series on the Obama administration’s mortgage reform plan. the series appears Sundays in Homes Plus. Last week’s article des...
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Mortgage Professor: Fallout feared as Fannie, Freddie scale back housing financeApr 03, 2011 12:00 am - Editor’s note: This is the first part in a series on the Obama administration’s mortgage reform plan. The series will appear Sundays in Homes Plus. The document the admi...
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Mortgage Professor: Best real estate refinance calculatorsMar 27, 2011 12:00 am - In the first article of this series, I suggested that the net benefit of a refinance to the borrower should be measured by the net present value (NPV) or net future valu...
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Mortgage Professor: Changing the way people buy mortgagesMar 20, 2011 11:00 am - Editor’s note: This is the fifth column in series appearing Sundays in Homes Plus. Earlier articles in this series described how certified lender networks will assure bo...
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Mortgage Professor: Will refinancing my mortgage really save me money?Mar 20, 2011 12:00 am - Deciding whether to refinance can be a complicated decision for borrowers, and a lot rides on getting it right. The good news is that many financial calculators designed...
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Mortgage Professor: Certified network would help borrowers make decisionsMar 04, 2011 11:00 pm - This is the fourth column in series appearing Sundays in Homes Plus. Previous articles in this series focused on how certified lender networks will generate competi...