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{{Short description|American academic (1923–2024)}}
{{Infobox person
{{Infobox person
| pre-nominals =
| pre-nominals =
| name = Jack M. Guttentag
| name = Jack Guttentag
| post-nominals =
| post-nominals =
| image = File:Jack Guttentag.jpg
| image = Jack Guttentag.jpg
| image_upright =
| alt =
| alt =
| caption =
| caption =
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| native_name_lang =
| native_name_lang =
| pronunciation =
| pronunciation =
| birth_name = <!-- only use if different from name above -->
| birth_name = John Mack Guttentag
| birth_date = {{birth date and age|1923|12|09}}
| birth_date = {{birth date|1923|12|09}}
| birth_place =
| birth_place = [[Brooklyn, New York]], U.S.
⚫
| death_date = {{death date and age|2024|02|06|1923|12|09}}
| baptised = <!-- will not display if birth_date is entered -->
⚫
| death_place = [[Gladwyne, Pennsylvania]], U.S.
| disappeared_date = <!-- {{disappeared date and age|YYYY|MM|DD|YYYY|MM|DD}} (disappeared date then birth date) -->
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| education = B.S. from [[Purdue University]]<br>M.S. and Ph.D. from [[Columbia University]]
| alma_mater =
| alma_mater =
| occupation =
| occupation = Professor of Finance
| years_active =
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| employer = [[Wharton School of the University of Pennsylvania]]
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'''Jack M. Guttentag''' (born December 9, 1923<ref>{{cite web|last1=Guttentag|first1=Jack M.|title=United States Public Records, 1970-2009|url=https://familysearch.org/|publisher=Family Search|accessdate=25 July 2014}}</ref>) is a professor [[emeritus]] of finance at the [[Wharton School of the University of Pennsylvania]].<ref>{{Cite web|url=https://fnce.wharton.upenn.edu/faculty/faculty-list/|title=Faculty List - Finance Department|website=fnce.wharton.upenn.edu|access-date=2016-07-14}}</ref> He is also a consumer advocate and creator of ''[http://www.mtgprofessor.com The Mortgage Professor]'', a website that provides free and disinterested advice to consumers on mortgage-related issues.
'''Jack Mack Guttentag''' (December 9, 1923 – February 6, 2024) was an American banker and academic who was a professor of finance at the [[Wharton School of the University of Pennsylvania]].<ref>{{Cite web|url=https://fnce.wharton.upenn.edu/faculty/faculty-list/|title=Faculty List - Finance Department|website=fnce.wharton.upenn.edu|access-date=2016-07-14}}</ref> He was also a [[consumer advocate]] and creator of ''The Mortgage Professor'', a website that provides free and disinterested advice to consumers on mortgage-related issues.


==At Wharton==
==Background==
Jack Mack Guttentag was born in [[Brooklyn, New York]], on December 9, 1923.<ref>{{cite web|last1=Guttentag|first1=Jack M.|title=United States Public Records, 1970-2009|url=https://familysearch.org/|publisher=Family Search|accessdate=25 July 2014}}</ref> He received his B.S. from [[Purdue University]], and his M.S. and Ph.D. from [[Columbia University]].<ref name="IHFP" />
⚫
Guttentag has been a member of the Wharton faculty since 1962. He has held positions as the Robert Morris Professor of Banking and the Jacob Safra Professor of International Banking. In 1996 he was appointed professor emeritus.<ref name="Almanac">{{cite journal|title=Honoring the New Emeritus Professors|journal=University of Pennsylvania Almanac|date=May 7, 1996|url=http://www.upenn.edu/almanac/v42/n31/emeritus.html|accessdate=12 September 2012}}</ref> He also serves as co-director of the International Housing Finance Program at the [[Samuel Zell]] and [[Robert Lurie]] Real Estate Center.<ref name="IHFP">{{cite web|title=Faculty and Industry Specialists|url=http://housingfinance.wharton.upenn.edu/Faculty_guttentag.htm|work=International Housing Finance Program|accessdate=12 September 2012}}</ref>


Guttentag died in [[Gladwyne, Pennsylvania]], on February 6, 2024, at the age of 100.<ref>{{cite web |title=Jack Guttentag |url=https://obits.cremationsocietyofphiladelphia.com/jack-guttentag |website=Philadelphia Cremation Society |access-date=10 February 2024}}</ref>
⚫
Guttentag’s research includes the reform of [[financial institutions]], [[financial market]]s, and [[central bank|central banking institutions]]; innovations in [[monetary policy]], real estate finance, housing economics, and commercial banking; and the restructuring of bank practices and lending procedures for the Federal Reserve, insurance firms, pensions groups, and savings and loan associations, including the design of unique mortgage instruments.<ref name="IHFP" />


==Other work==
==Career==
===At Wharton===
⚫
Prior to joining the Wharton School Faculty, Guttentag was the Chief of the Domestic Research Division of the [[Federal Reserve Bank of New York]],<ref>{{Cite book|url=https://books.google.com/books?id=yyOcNqMPX1gC|title=Procedural Report on the 1960 Censuses of Population and Housing|date=1963-01-01|publisher=US Department Commerce|language=en}}</ref> and part of the senior staff of the [[National Bureau of Economic Research]].<ref>{{Cite web|url=http://admin.nber.org/authors/jack_guttentag|title=NBER Publications by Jack M. Guttentag|website=admin.nber.org|access-date=2016-07-14}}</ref> He served as the managing editor of ''[[The Journal of Finance]]'' from 1974 to 1977<ref>{{Cite web|url=http://www.afajof.org/details/page/3820181/Current-and-Past-Editors.html|title=- American Finance Association|website=www.afajof.org|access-date=2016-07-14}}</ref> and of ''[[The Housing Finance Review]]'' from 1983 to 1989. Since becoming emeritus, he has also worked as a consultant to many government agencies and private financial institutions.<ref name=MortgageProf>{{cite web|title=About the Professor|url=http://www.mtgprofessor.com/about_the_professor.htm|work=The Mortgage Professor|accessdate=12 September 2012}}</ref>
⚫
Guttentag was a member of the Wharton faculty from 1962 until his death. He held positions as the Robert Morris Professor of Banking and the Jacob Safra Professor of International Banking. In 1996 he was appointed professor emeritus.<ref name="Almanac">{{cite journal|title=Honoring the New Emeritus Professors|journal=University of Pennsylvania Almanac|date=May 7, 1996|url=http://www.upenn.edu/almanac/v42/n31/emeritus.html|accessdate=12 September 2012}}</ref> He also served as co-director of the International Housing Finance Program at the [[Samuel Zell]] and [[Robert Lurie]] Real Estate Center.<ref name="IHFP">{{cite web|title=Faculty and Industry Specialists|url=http://housingfinance.wharton.upenn.edu/Faculty_guttentag.htm|work=International Housing Finance Program|accessdate=12 September 2012|archive-url=https://archive.today/20121210142828/http://housingfinance.wharton.upenn.edu/Faculty_guttentag.htm|archive-date=10 December 2012|url-status=dead}}</ref>


⚫
Guttentag’s research included the reform of [[financial institutions]], [[financial market]]s, and [[central bank|central banking institutions]]; innovations in [[monetary policy]], real estate finance, housing economics, and commercial banking; and the restructuring of bank practices and lending procedures for the Federal Reserve, insurance firms, pensions groups, and savings and loan associations, including the design of unique mortgage instruments.<ref name="IHFP" />
⚫
==Consumer Advocacy==
⚫
In 1985 Guttentag co-founded GHR Systems, Inc., with Wharton professor E. Gerald Hurst. GHR Systems developed an electronic network to deliver complex mortgage information quickly to loan officers, mortgage brokers, and consumers. GHR Systems was acquired by [[Metavante]] in 2005.<ref name=BizJournal>{{cite web|title=GHR Systems is finding life after Metavante blossoming|url=http://www.bizjournals.com/philadelphia/stories/2006/09/04/story10.html?page=all|work=Philadelphia Business Journal|accessdate=12 September 2012}}</ref>


⚫
===Consumer advocacy===
⚫
After becoming emeritus at the Wharton School, Guttentag developed the website ''The Mortgage Professor''[http://www.mtgprofessor.com/] to help consumers navigate the home loan market more effectively. He has published several books on the topic, including ''The Pocket Mortgage Guide'' (2003) and ''The Mortgage Encyclopedia'' (2004, 2010). He also writes a nationally syndicated newspaper column on mortgages titled “Ask the Mortgage Professor”.<ref name="MortgageProf" />
⚫
In 1985, Guttentag co-founded GHR Systems, Inc., with Wharton professor E. Gerald Hurst. GHR Systems developed an electronic network to deliver complex mortgage information quickly to loan officers, mortgage brokers, and consumers. GHR Systems was acquired by [[Metavante]] in 2005.<ref name=BizJournal>{{cite web|title=GHR Systems is finding life after Metavante blossoming|url=http://www.bizjournals.com/philadelphia/stories/2006/09/04/story10.html?page=all|work=Philadelphia Business Journal|accessdate=12 September 2012}}</ref>


⚫
After becoming emeritus at the Wharton School, Guttentag developed the website ''The Mortgage Professor''[http://www.mtgprofessor.com/] to help consumers navigate the home loan market more effectively. He has published several books on the topic, including ''The Pocket Mortgage Guide'' (2003) and ''The Mortgage Encyclopedia'' (2004, 2010). He also wrote a nationally syndicated newspaper column on mortgages titled “Ask the Mortgage Professor”.<ref name="MortgageProf" />
⚫
Guttentag developed three categories of certification for loan providers. The Upfront Mortgage Broker (UMB) certification was established in 2000 for brokers who agree to do business in accordance with a specific set of principles and standards. The Upfront Mortgage Brokers Association (UMBA)[http://www.upfrontmortgagebrokers.org/] was created in 2001 to conduct monitoring and other functions. Guttentag serves as the chairman of the board for UMBA.<ref name=UMBA>{{cite web|title=About Us|url=http://www.upfrontmortgagebrokers.org/about-us/|work=Upfront Mortgage Brokers Association|accessdate=12 September 2012}}</ref>

⚫
Guttentag developed three categories of certification for loan providers. The Upfront Mortgage Broker (UMB) certification was established in 2000 for brokers who agree to do business in accordance with a specific set of principles and standards. The Upfront Mortgage Brokers Association (UMBA)[http://www.upfrontmortgagebrokers.org/] was created in 2001 to conduct monitoring and other functions. Guttentag served as the chairman of the board for UMBA.<ref name=UMBA>{{cite web|title=About Us|url=http://www.upfrontmortgagebrokers.org/about-us/|work=Upfront Mortgage Brokers Association|date=6 September 2011|accessdate=12 September 2012}}</ref>


In 2006 Guttentag established the Upfront Mortgage Lender (UML) certification to distinguish mortgage lenders who practice complete price disclosure on their websites without requiring shoppers to disclose their identity.<ref name="MortgageProf" />
In 2006 Guttentag established the Upfront Mortgage Lender (UML) certification to distinguish mortgage lenders who practice complete price disclosure on their websites without requiring shoppers to disclose their identity.<ref name="MortgageProf" />
Line 102: Line 50:
In 2012 the Certified Network Lenders (CNL) certification was established for mortgage lenders willing to provide complete pricing and underwriting agreements to ''The Mortgage Professor'' website.<ref name="MortgageProf" />
In 2012 the Certified Network Lenders (CNL) certification was established for mortgage lenders willing to provide complete pricing and underwriting agreements to ''The Mortgage Professor'' website.<ref name="MortgageProf" />


== Reverse Mortgages ==
===Reverse mortgages ===
Starting in early 2014, Guttentag began focusing significant attention on the reverse mortgage market in the U.S., specifically the HUD sponsored [[Reverse mortgage|HECM Reverse Mortgage]] program. In addition to offering a reverse mortgage shopping service on his website, Guttentag has published extensive critiques of the HECM program from both a consumer and public policy standpoint.<ref>{{Cite web|url=http://knowledge.wharton.upenn.edu/article/kosher-hecms-fixing-a-dysfunctional-reverse-mortgage-market/|title='Kosher' Reverse Mortgages: Fixing a Dysfunctional Market|language=en-US|access-date=2016-07-14}}</ref><ref>{{Cite web|url=http://realestate.wharton.upenn.edu/m/research/?paper=780|title=Working Paper: HECM Reverse Mortgages: Is Market Failure Fixable? - Zell/Lurie Center|website=realestate.wharton.upenn.edu|access-date=2016-07-14}}</ref>
Starting in early 2014, Guttentag began focusing significant attention on the reverse mortgage market in the U.S., specifically the HUD sponsored [[Reverse mortgage|HECM Reverse Mortgage]] program. In addition to offering a reverse mortgage shopping service on his website, Guttentag published extensive critiques of the HECM program from both a consumer and public policy standpoint.<ref>{{Cite web|url=http://knowledge.wharton.upenn.edu/article/kosher-hecms-fixing-a-dysfunctional-reverse-mortgage-market/|title='Kosher' Reverse Mortgages: Fixing a Dysfunctional Market|language=en-US|access-date=2016-07-14}}</ref><ref>{{Cite web|url=http://realestate.wharton.upenn.edu/m/research/?paper=780|title=Working Paper: HECM Reverse Mortgages: Is Market Failure Fixable? - Zell/Lurie Center|website=realestate.wharton.upenn.edu|access-date=2016-07-14}}</ref>

===Retirement planning===
Concerned that adoption of reverse mortgages was low and that the product was primarily used as a "last resort" by retirees with no other options, Guttentag began development of a system that would maximize the potential of reverse mortgages. Working with Allan Redstone, they developed an analytical system called the Retirement Funds Integrator that attempts to maximize a lifetime stream of income derived from a combination of a retiree's financial assets and the equity in their home. Guttentag wrote extensively on this topic in his Forbes column and on his Mortgage Professor website.<ref>{{Cite web |last=Guttentag |first=Jack |title=The Overlooked Minority: Non-Affluent Retirees |url=https://www.forbes.com/sites/jackguttentag/2022/08/31/the-overlooked-minority-non-affluent-retirees/ |access-date=2022-10-23 |website=Forbes |language=en}}</ref> <ref>{{Cite web |last=Guttentag |first=Jack |title=Integrating HECM Reverse Mortgages Into Retirement Plans |url=https://www.forbes.com/sites/jackguttentag/2022/09/19/integrating-hecm-reverse-mortgages-into-retirement-plans/ |access-date=2022-10-23 |website=Forbes |language=en}}</ref>


==Education==
===Other work===
⚫
Prior to joining the Wharton School Faculty, Guttentag was the Chief of the Domestic Research Division of the [[Federal Reserve Bank of New York]],<ref>{{Cite book|url=https://books.google.com/books?id=yyOcNqMPX1gC|title=Procedural Report on the 1960 Censuses of Population and Housing|date=1963-01-01|publisher=US Department Commerce|language=en}}</ref> and part of the senior staff of the [[National Bureau of Economic Research]].<ref>{{Cite web|url=http://admin.nber.org/authors/jack_guttentag|title=NBER Publications by Jack M. Guttentag|website=admin.nber.org|access-date=2016-07-14}}</ref> He served as the managing editor of ''[[The Journal of Finance]]'' from 1974 to 1977<ref>{{Cite web|url=http://www.afajof.org/details/page/3820181/Current-and-Past-Editors.html|title=- American Finance Association|website=www.afajof.org|access-date=2016-07-14|archive-url=https://web.archive.org/web/20151020072954/http://www.afajof.org/details/page/3820181/Current-and-Past-Editors.html|archive-date=2015-10-20|url-status=dead}}</ref> and of ''[[The Housing Finance Review]]'' from 1983 to 1989. After becoming emeritus, he also worked as a consultant to many government agencies and private financial institutions.<ref name=MortgageProf>{{cite web|title=About the Professor|url=http://www.mtgprofessor.com/about_the_professor.htm|work=The Mortgage Professor|accessdate=12 September 2012}}</ref>
Guttentag received his B.S. from [[Purdue University]], and his M.S. and Ph.D. from [[Columbia University]].<ref name="IHFP" />


==References==
==References==
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{{DEFAULTSORT:Guttentag, Jack M.}}
{{DEFAULTSORT:Guttentag, Jack M.}}
[[Category:1923 births]]
[[Category:1923 births]]
[[Category:Living people]]
[[Category:2024 deaths]]
[[Category:Wharton School of the University of Pennsylvania faculty]]
[[Category:Wharton School of the University of Pennsylvania faculty]]
[[Category:American bankers]]
[[Category:American bankers]]
[[Category:Purdue University alumni]]
[[Category:Columbia University alumni]]
[[Category:The Journal of Finance editors]]
[[Category:American men centenarians]]
[[Category:People from Brooklyn]]

Latest revision as of 21:12, 21 June 2024

Jack Guttentag
Born
John Mack Guttentag

(1923-12-09)December 9, 1923
Brooklyn, New York, U.S.
DiedFebruary 6, 2024(2024-02-06) (aged 100)
Gladwyne, Pennsylvania, U.S.
BildungB.S. from Purdue University
M.S. and Ph.D. from Columbia University
OccupationProfessor of Finance
EmployerWharton School of the University of Pennsylvania

Jack Mack Guttentag (December 9, 1923 – February 6, 2024) was an American banker and academic who was a professor of finance at the Wharton School of the University of Pennsylvania.[1] He was also a consumer advocate and creator of The Mortgage Professor, a website that provides free and disinterested advice to consumers on mortgage-related issues.

Background

[edit]

Jack Mack Guttentag was born in Brooklyn, New York, on December 9, 1923.[2] He received his B.S. from Purdue University, and his M.S. and Ph.D. from Columbia University.[3]

Guttentag died in Gladwyne, Pennsylvania, on February 6, 2024, at the age of 100.[4]

Career

[edit]

At Wharton

[edit]

Guttentag was a member of the Wharton faculty from 1962 until his death. He held positions as the Robert Morris Professor of Banking and the Jacob Safra Professor of International Banking. In 1996 he was appointed professor emeritus.[5] He also served as co-director of the International Housing Finance Program at the Samuel Zell and Robert Lurie Real Estate Center.[3]

Guttentag’s research included the reform of financial institutions, financial markets, and central banking institutions; innovations in monetary policy, real estate finance, housing economics, and commercial banking; and the restructuring of bank practices and lending procedures for the Federal Reserve, insurance firms, pensions groups, and savings and loan associations, including the design of unique mortgage instruments.[3]

Consumer advocacy

[edit]

In 1985, Guttentag co-founded GHR Systems, Inc., with Wharton professor E. Gerald Hurst. GHR Systems developed an electronic network to deliver complex mortgage information quickly to loan officers, mortgage brokers, and consumers. GHR Systems was acquired by Metavante in 2005.[6]

After becoming emeritus at the Wharton School, Guttentag developed the website The Mortgage Professor[1] to help consumers navigate the home loan market more effectively. He has published several books on the topic, including The Pocket Mortgage Guide (2003) and The Mortgage Encyclopedia (2004, 2010). He also wrote a nationally syndicated newspaper column on mortgages titled “Ask the Mortgage Professor”.[7]

Guttentag developed three categories of certification for loan providers. The Upfront Mortgage Broker (UMB) certification was established in 2000 for brokers who agree to do business in accordance with a specific set of principles and standards. The Upfront Mortgage Brokers Association (UMBA)[2] was created in 2001 to conduct monitoring and other functions. Guttentag served as the chairman of the board for UMBA.[8]

In 2006 Guttentag established the Upfront Mortgage Lender (UML) certification to distinguish mortgage lenders who practice complete price disclosure on their websites without requiring shoppers to disclose their identity.[7]

In 2012 the Certified Network Lenders (CNL) certification was established for mortgage lenders willing to provide complete pricing and underwriting agreements to The Mortgage Professor website.[7]

Reverse mortgages

[edit]

Starting in early 2014, Guttentag began focusing significant attention on the reverse mortgage market in the U.S., specifically the HUD sponsored HECM Reverse Mortgage program. In addition to offering a reverse mortgage shopping service on his website, Guttentag published extensive critiques of the HECM program from both a consumer and public policy standpoint.[9][10]

Retirement planning

[edit]

Concerned that adoption of reverse mortgages was low and that the product was primarily used as a "last resort" by retirees with no other options, Guttentag began development of a system that would maximize the potential of reverse mortgages. Working with Allan Redstone, they developed an analytical system called the Retirement Funds Integrator that attempts to maximize a lifetime stream of income derived from a combination of a retiree's financial assets and the equity in their home. Guttentag wrote extensively on this topic in his Forbes column and on his Mortgage Professor website.[11] [12]

Other work

[edit]

Prior to joining the Wharton School Faculty, Guttentag was the Chief of the Domestic Research Division of the Federal Reserve Bank of New York,[13] and part of the senior staff of the National Bureau of Economic Research.[14] He served as the managing editor of The Journal of Finance from 1974 to 1977[15] and of The Housing Finance Review from 1983 to 1989. After becoming emeritus, he also worked as a consultant to many government agencies and private financial institutions.[7]

References

[edit]
  1. ^ "Faculty List - Finance Department". fnce.wharton.upenn.edu. Retrieved 2016-07-14.
  2. ^ Guttentag, Jack M. "United States Public Records, 1970-2009". Family Search. Retrieved 25 July 2014.
  3. ^ a b c "Faculty and Industry Specialists". International Housing Finance Program. Archived from the original on 10 December 2012. Retrieved 12 September 2012.
  4. ^ "Jack Guttentag". Philadelphia Cremation Society. Retrieved 10 February 2024.
  5. ^ "Honoring the New Emeritus Professors". University of Pennsylvania Almanac. May 7, 1996. Retrieved 12 September 2012.
  6. ^ "GHR Systems is finding life after Metavante blossoming". Philadelphia Business Journal. Retrieved 12 September 2012.
  7. ^ a b c d "About the Professor". The Mortgage Professor. Retrieved 12 September 2012.
  8. ^ "About Us". Upfront Mortgage Brokers Association. 6 September 2011. Retrieved 12 September 2012.
  9. ^ "'Kosher' Reverse Mortgages: Fixing a Dysfunctional Market". Retrieved 2016-07-14.
  10. ^ "Working Paper: HECM Reverse Mortgages: Is Market Failure Fixable? - Zell/Lurie Center". realestate.wharton.upenn.edu. Retrieved 2016-07-14.
  11. ^ Guttentag, Jack. "The Overlooked Minority: Non-Affluent Retirees". Forbes. Retrieved 2022-10-23.
  12. ^ Guttentag, Jack. "Integrating HECM Reverse Mortgages Into Retirement Plans". Forbes. Retrieved 2022-10-23.
  13. ^ Procedural Report on the 1960 Censuses of Population and Housing. US Department Commerce. 1963-01-01.
  14. ^ "NBER Publications by Jack M. Guttentag". admin.nber.org. Retrieved 2016-07-14.
  15. ^ "- American Finance Association". www.afajof.org. Archived from the original on 2015-10-20. Retrieved 2016-07-14.
[edit]
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