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UFMB History The UpFront Mortgage Broker concept was conceived by Jack Guttentag The Mortgage Professor nationally syndicated columnist consumer advocate and wellknown expert on mortgage loans. Guttentag developed the idea as a result of his experience as a mortgage adviser to consumers In The News The Upfront Mortgage Brokers Association has been featured or quoted in a number of prestigious publications such as they New York Times Washington Post Wall Street Journal and Money Magazine. Click here to view a sampling of those articles. Useful Tools Calculators Make use of some of our recommended calculators that will assist you with budgeting your future mortgage.