Key Questions:

1. Who are the leading lenders in Del Norte, California?
   1. The leading lenders, by market share, are Jpmorgan Chase Bank, Na, Beneficial Company Llc and Gmac Mortgage Llc. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Del Norte, California be in paying off their mortgage?
   1. Homeowners in Del Norte, California borrowed an average of 2.40 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 Del Norte, California homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Del Norte, California to actually live in them?
   1. 88.7% of home owners in Del Norte, California 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 Del Norte, California to the subprime mortgage crisis?
   1. There were significantly less subprime loans taken out by home owners in Del Norte, California than the national average in 2008. That is to say, Del Norte, California will be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Del Norte, California - 2.6% versus 4.8% - will reset to higher rates in 2009. This will mean that there will be less foreclosures caused by the reseting of subprime mortgages in Del Norte, California than other areas of the US.