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Professor of finance emeritus, University of Pennsylvania

Dr. Jack Guttentag is a professor of finance emeritus and has been a member of the faculty of the Wharton School since 1962. He served as an economist with the Federal Reserve Bank of New York (1954-1960); as the chief of the Domestic Research Division of the bank from 1960 to 1962; and as senior staff at the National Bureau of Economic Research (1965-1973). Dr Guttentag is presently co-director of the Zell/Lurie Real Estate Center’s International Housing Finance Program.

Dr. Guttentag’s research interests have included the reform of financial institutions and markets, central banking and monetary policy, real estate finance, housing economics, commercial banking, and the design of unique mortgage instruments.

Dr. Guttentag’s consulting activities complement his research interests. His domestic clients have included JP Morgan Securities, Guild Mortgage Company, Citibank, HUD and many others. His international experience includes consulting for USAID, the International Monetary Fund, the World Bank and the United Nations.

Dr. Guttentag was the co-founder of GHR Systems, an innovative software company specializing in point-of-sale and other mortgage management systems. Currently, he is President of Mortgage Professor LLC, which has developed a netwok of lenders he has certified, and tools for mortgage borrowers to find the the product that best meets their needs, and the best pricde from certified lenders. He also has a popular website,, which is one of the most visited interactive information sites for mortgage borrowers. He has an extensive list of publications on banking and finance and was the editor of the Journal of Finance and the Housing Finance Review.

Dr. Guttentag received his B.S. from Purdue University, and his M.S. and Ph.D. from Columbia University.


  • –present
    Professor emeritus of finance, University of Pennsylvania