Jack Guttentag
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How to fairly compare third-party mortgage feesFeb 26, 2011 1:00 am - The previous article in this series on certified lender networks described how such networks will provide competitive loan pricing. This article describes how the networ...
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Mortgage Professor: Lock your loan without worryFeb 19, 2011 12:00 am - This is the second column in a series examining the mortgage crisis. The initial article of this series examined why the first generation of third-party, multilende...
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Mortgage websites often come up short for borrowersFeb 11, 2011 10:00 pm - By Jack Guttenberg The failure of government to fix the deep-seated problems of the home loan market raises the question of whether there is a private initiative that wo...
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By Jack Guttentag/Mortgage Professor: Three top problems for mortgage shoppersFeb 04, 2011 12:00 am - By Jack Guttenberg Few mortgage borrowers shop alternative loan providers, despite the extensive system of mandated disclosures that are supposed to help them do exactly...
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Roadblocks prevent authorized card users from buying homesJan 29, 2011 12:00 am - Q. The underwriter assigned to my mortgage rejected it on the grounds my excellent credit score may be due to my being an authorized user on my grandfather's credit card...
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Preapprovals less reliable in today's marketJan 14, 2011 10:00 pm - In a tight market, preapprovals are needed more than ever to establish the financial bona fides of home purchasers. Unfortunately, preapprovals have also become less rel...
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Reducing certain mortgage balances could save taxpayers moneyJan 07, 2011 10:00 pm - Q. In modifying mortgages to make them affordable to borrowers, the loan balance is seldom reduced. Fannie Mae and Freddie Mac in particular don't use balance reduct...
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Private mortgage insurance protects the lender, not borrowerDec 24, 2010 10:00 pm - Q. I am currently in default on my mortgage. I have been paying premiums to a private mortgage insurer for six years; is there any way these premium dollars can be a...
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Restore credibility to the mortgage marketDec 16, 2010 10:00 pm - Mortgage brokers are an endangered species. Before the financial crisis, they touched almost three of every four new mortgages. Today, it is closer to one of four, and s...
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Predatory practices worse than improper foreclosuresDec 09, 2010 10:00 pm - All 50 states, through their attorney general offices, are now involved in investigating procedural deficiencies in the mortgage foreclosure process. While these deficie...