Key Questions:

1. How at risk is La Paz, Arizona to the subprime mortgage crisis?
   1. Subprime loans taken out by home owners in La Paz, Arizona were meaningfully less than the national average in 2006. That is to say, La Paz, Arizona will likely be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in La Paz, Arizona - 9.9% versus 12.0% - will reset to higher rates in 2008.
2. How stretched will home owners in La Paz, Arizona be in paying off their mortgage?
   1. Homeowners in La Paz, Arizona borrowed an average of 1.54 times their annual income for their mortgage. This compares to 1.83 for all of the US. Based on the national average, there will be a normal risk that La Paz, Arizona homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in La Paz, Arizona?
   1. The leading lenders, by market share, are Countrywide Home Loans, Wells Fargo Bank, Na and Aea Federal Credit Union. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in La Paz, Arizona to actually live in them?
   1. 79.9% of home owners in La Paz, Arizona that applied for a mortgage in 2006 live in their homes versus owning them as an investment property. This compares to the national average of 89.0%.