Key Questions:

1. How at risk is Jefferson, Arkansas to the subprime mortgage crisis?
   1. Subprime loans taken out by home owners in Jefferson, Arkansas were meaningful more than the national average in 2006. That is to say, Jefferson, Arkansas will likely be more affected by the subprime mortgage crisis in years to come as a greater percentage of all mortgages in Jefferson, Arkansas - 14.3% versus 12.0% - will reset to higher rates in 2008. This will likely trigger a higher amount of foreclosures caused by the reseting of subprime mortgages in Jefferson, Arkansas than other areas of the US.
2. How stretched will home owners in Jefferson, Arkansas be in paying off their mortgage?
   1. Homeowners in Jefferson, Arkansas borrowed an average of 1.28 times their annual income for their mortgage. This compares to 1.83 for all of the US. Based on the national average, a significantly lower risk that Jefferson, Arkansas homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Jefferson, Arkansas?
   1. The leading lenders, by market share, are Simmons First National Bank, Countrywide Home Loans and Bank Of America, N.A.. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in Jefferson, Arkansas to actually live in them?
   1. 89.0% of home owners in Jefferson, Arkansas 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%.