Jack Guttentag
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Manufactured housing market has good and bad sidesJul 15, 2017 6:00 am - It has been more than 10 years since I last looked at the market for manufactured housing, my excuse being that nothing much had happened that justified another look. Bu...
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Frequently asked questions about HECM reverse mortgagesJul 08, 2017 6:00 am - I frequently get questions from homeowners about HECM reverse mortgages, which is not surprising - HECMs are complicated and meet a wide variety of homeowner needs. Furt...
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Down payment assistance programs need greater scrutinyJul 01, 2017 6:00 am - Down payment assistance programs: will they result in more defaults? The answer to that question depends on whether or not the assistance weakens the role of down paymen...
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Can you shop for the best deal on a HECM reverse mortgage?Jun 24, 2017 6:00 am - Can you shop for the best deal on a HECM reverse mortgage? You can if you know exactly what you want, and exactly where to find it. This article is designed to help. • T...
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Should you pay off an existing mortgage before taking a reverse mortgage?Jun 10, 2017 6:00 am - Most seniors in the market for a HECM reverse mortgage while still carrying a traditional mortgage balance view the HECM as their way of ridding themselves of a monthly ...
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Future income replenishment with a reverse mortgageJun 03, 2017 6:00 am - The more I work with HECM reverse mortgages, the more convinced I become that it is the most underutilized financial tool available to seniors in the U.S. Among the impo...
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Perspectives on Down Payment RequirementsMay 27, 2017 6:00 am - The down payment required on a home mortgage is the single most important hurdle that prospective home purchasers must surmount. This article explains what a down paymen...
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Mortgage concepts home buyers should knowMay 20, 2017 6:00 am - Home purchasers sometimes get into trouble because they are not clued into the sequence of steps involved in financing their purchase. These are qualification, preapprov...
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Will we have another financial crisis, and are we prepared?Apr 29, 2017 6:00 am - These two questions appear in my mailbox with the greatest frequency. The answers are very straightforward: Yes, we will have another housing crisis, and No, we are not ...
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Qualifying for a mortgage depends on several factorsApr 08, 2017 6:00 am - When I wrote the first version of this article in 2000, I felt it necessary to emphasize to potential borrowers that they were not beggars who had to approach lenders ha...