Jack M. Guttentag is a retired professor of finance from the Wharton School of the University of Pennsylvania. He offers free advice to consumers about mortgages–so welcome in this time of lender topsy-turvy-dom. Read his tutorials, use his calculators, and understand how to spot scams. See his suggestions for finding “upfront”, i.e. honest and open loan companies and brokers. Who knew there still were such businesses? Thanks, Prof. Guttentag!