Key Questions:

1. Who are the leading lenders in Kenai Peninsula, Alaska?
   1. The leading lenders, by market share, are Residential Mortgage, Llc, Alaska Usa Mortgage Company and Wells Fargo Bank, Na. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Kenai Peninsula, Alaska be in paying off their mortgage?
   1. Homeowners in Kenai Peninsula, Alaska borrowed an average of 2.08 times their annual income for their mortgage. This compares to 1.97 for all of the US. Based on the national average, there will be a normal risk that Kenai Peninsula, Alaska homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Kenai Peninsula, Alaska to actually live in them?
   1. 90.5% of home owners in Kenai Peninsula, Alaska that applied for a mortgage in 2008 live in their homes versus owning them as an investment property. This compares to the national average of 90.0%.
4. How at risk is Kenai Peninsula, Alaska to the subprime mortgage crisis?
   1. Subprime loans taken out by home owners in Kenai Peninsula, Alaska were meaningfully less than the national average in 2008. That is to say, Kenai Peninsula, Alaska will likely be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Kenai Peninsula, Alaska - 3.9% versus 4.8% - will reset to higher rates in 2009.