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Jack Guttentag

Ask the Mortgage Professor

By Jack Guttentag
Distributed by Inman News
About Jack Guttentag


 
Wonder if it's right to refinance?
Check out the Mortgage Professor's refinance tutorial:


Mortgage Grader: a new way to shop lenders

Monthly statements would eliminate loan servicing fraud

Rebates to mortgage brokers rile regulators

New mortgage underwriting rules will be tough to enforce

Understanding simple-interest mortgages

Can best mortgages be found on Loan.com?

Subprime relief plan's major flaw

Mortgage market recovery hinges on investors

Extra payment to principal may not dent monthly payments

Don't let monthly costs decide rent-or-buy question

House bill may worsen climate for subprime borrowers

House bill targeting payments to brokers unenforceable

Payments to brokers don't always involve 'steering'

Biweekly payment programs: Use lender's or make your own?

Analyzing CMG's early-mortgage-payoff program

Amerisave helps borrowers find loan's retail markup

Wholesale mortgage prices uncover true costs

Let's make a deal: loan mod for 50% of price appreciation

Too much equity can deny homeowners loan mods

Cash-out refi vs. second loan: which is cheaper?

How are mortgage payments calculated?

Why mortgage lenders struggle for repeat business

More lenders offering no-cost mortgages

It's not a gift, it's an investment

How to calculate adjustable-rate-mortgage reset

Is subprime market reducing home ownership?

Best way to sell house in buyer's market

Should stated-income loans be banned?

Cut mortgage payment in half upon retirement

Can feds step in to stop mortgage broker greed?

Why mortgages under $50,000 are hard to find

Should escrows be required by law?

Borrowers get tips on dealing with mortgage brokers

Is BofA's 'No Fee Mortgage Plus' a good deal?

Sky-high loans get borrowers out of trouble

Tighter lending rules could backfire

Can FHA step in to fill subprime's shoes?

Unique plan to save ARM borrowers from foreclosure

Adjustable-loan borrowers are the big losers

Lenders weren't prepared for home-price declines

What really caused the subprime defaults?

Why 'silent' second mortgages are so risky

Stricter lending rules impact borrowers

Adjustable-loan shocker hidden in fine print

A new watchdog, better home-loan disclosures

Overcharges run rampant in home loans

This refi will make me poorer

Who's to blame for unaffordable home loans?

Why lender loan disclosures fail borrowers

Should lenders be liable for mismatched home loans?

Another reason to avoid 100% home financing

Payment shock high on new adjustable mortgage

Future net worth depends on how home is financed

Home-seller financing not without risk

How to handle junk fees when mortgage shopping

Paying mortgage points a smart investment

Don't rush decision to use builder's lender

$750K mortgage fraud too sweet to pass up

Home-loan servicing gone awry

Borrowers eye benefits of FHA home loans

Refinance at 1.25% a nightmare in disguise

Homeowners eye stock funds as sweet investments

Borrowers pay more when using 100% financing

Home buyer closing costs could drop with fed's help

Bait-and-switch loan charges gain industry attention

Beware of new homes selling at bargain prices

Push for monthly mortgage statements escalates

Simple-interest mortgage can be a trap

Best mortgages in today's market

Rapid mortgage-payoff claims disputed

'Manufactured' foreclosures an emerging threat to consumers

Is mortgage repayment always better investment choice?

Simple-interest mortgage: Why tracking payoff is so tricky

The curse of negative equity: Is there an escape?

Borrower learns downside to option ARMs

Correspondent lenders: Another choice for home financing

Do large-name lenders provide better service?

Don't judge a lender by its disgruntled customers

Refinance not always best move for distressed homeowners

Is it time to refinance into fixed-rate loan?

Paying points may not benefit all borrowers

How credit cards affect home purchase

Operating abroad risky for U.S. mortgage lenders

Borrowers have power to derail predatory lenders

Unfair loan pricing hits borrowers at closing table

Not all mortgage shoppers benefit from APR

Major players in title industry stifle reform

Reducing title costs easier said than done

When title companies compete, consumers lose

Borrowers grow more wealth with 15-year mortgage

Can mortgage broker protect against lender overcharges?

Online mortgage shopping can mislead borrowers

Not all fixed-rate real estate loans created equal

Why borrowers should pay off higher-rate mortgage first

Transparent real estate loan costs could be wave of future

Selling mortgage leads is legal, so why are referrals not?

Lenders, brokers get creative in slow mortgage market

Borrowers with little home equity still have options

Steps for real estate borrowers facing default

Home equity saves borrowers who can't make mortgage payments

Borrower beware of 'dead home equity' offers

Uncovering true cost of interest-only real estate loans

Upfront mortgage brokers veer from traditional business model

Purchase mortgage or refi: Which is best?

Feds play role in cheating real estate borrowers

Proposals attempt to create fair mortgage market

Why RESPA has failed to prevent real estate kickbacks

Referral power taints real estate loan market

Borrower recourse a hot issue in mortgage transactions

Good faith estimate not set in stone

Best time to take out mortgage when buying home

Decoding mortgage lender rate sheets

Real estate debt elimination could be a scam

Government requirements for disclosure fail to make the grade

Navigating real estate loan locks, docs

Understanding choices in mortgage insurance

Investment returns influence real estate down payment

How long should you take to pay off your mortgage?

Three options available on most mortgages

Pros and cons of fixed, adjustable mortgages

Mortgage shopping: what you should know before you begin

Web offers great alternative to 'mortgage bazaar'

Real estate loan overcharges run rampant

Best way to shop for real estate loan online

Which real estate lender Web sites are worth shopping?

Why shop for a real estate loan online?

Cost consolidation improves real estate loan shopping

Mortgage brokers struggle with consumer distrust

Eliminating mortgage lender fee surprises

Real estate settlement services take bite out of borrowers

How should borrower divide home-sale proceeds with investor?

Using your mortgage as a checking account: The CMG Plan

How do I manage credit cards to raise my credit score?

How to shop for an option ARM real estate loan

New wisdom contradicts mortgage repayment advice

Why is refinance shopping easier than purchase-loan shopping?

Real estate foreclosure crisis inspires desperate measures

Exclusive agency agreement does a real estate buyer good

Stated-income real estate loans test borrowers' honesty

Lender-paid mortgage insurance a good deal for borrowers

Major red flag of adjustable real estate loans

What market niche gets the best mortgage price?

Bad refinance decisions come back to haunt borrowers

Borrower finds way to catch up on interest-only real estate loan balance

Borrower feels deceived by mortgage interest calculation

Should I recruit a mortgage broker or lender to find a real estate loan?

What's the best way to sell a home and buy another?

New bill aims to help refi borrowers reap 'net benefits'

Interest-only real estate loans give borrowers extra savings

Refinancing to a fixed-rate real estate loan may be unwise

A new twist on paying for real estate title insurance

Is real estate title insurance overpriced?

Determining best down payment for real estate purchase

Nonrefundable loan fee worries refi applicant

Understanding flexible-payment real estate loans

Is interest-only mortgage best for a quick turnover?

Home loan repayment inspires forced-savings plans

Discount brokers not upfront about real estate loan fees

New operating models proposed for Fannie Mae

What is all the fuss about Fannie Mae?

Are real estate loan prices ever negotiable?

Payment certainty possible with an adjustable-rate loan

Are credit problems cured by the passage of time?

Settlement cost do's and don'ts

Another look at housing bubbles

Consumer challenges credit-score methodology

Why isn't my real estate loan's APR locked?

Debt consolidation in a new purchase mortgage

Marketing ARMs with artful deceptions

Mortgage disclosure amendments do more harm than good

40-year real estate loan stirs controversy

Should I cancel my mortgage refinance?

Predatory lending definition reveals flaws

Can I buy a house and then 'reverse mortgage' it?

Real estate fraud spreads via 'good-fairy syndrome'

Can I cut my mortgage's life in half?

Lease-to-own real estate deals can be win-win

Real estate loan eases borrower qualifications

How would a truly flexible mortgage work?

Flexible real estate loans come into vogue

Homeowner's insurance decoded

How much house should I buy?

Family friend commits real estate faux pas

Borrower strategy may shorten mortgage life

Lenders roll out no-cost-mortgage deals

Why select a no-cost mortgage?

Who should use no-cost mortgages?

Escrow mistake hits borrower's pocketbook

Real estate loan warranty may be a scam

What does an interest-rate lock cover?

Are multiple title policies necessary for one home?

Mortgage risk determined by rates, terms

Real estate loan may lack payment protection

Are Libor adjustable mortgages a good deal?

Will refinancing improve my credit?

Are interest-only mortgages good for retirees?

Beware of mortgage spam

Should I use funds in 401K as a down payment?

Lender mistake kills good-faith estimate

Beware of simple-interest biweekly mortgage

 
     
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