Key Questions:

1. How at risk is Colorado to the subprime mortgage crisis?
   1. Subprime loans taken out by home owners in Colorado were meaningfully less than the national average in 2006. That is to say, Colorado will likely be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Colorado - 9.7% versus 12.0% - will reset to higher rates in 2008.
2. How stretched will home owners in Colorado be in paying off their mortgage?
   1. Homeowners in Colorado borrowed an average of 1.73 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 Colorado homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Colorado?
   1. The leading lenders, by market share, are Countrywide Home Loans, Wells Fargo Bank, Na and Citimortgage, Inc. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in Colorado to actually live in them?
   1. 88.0% of home owners in Colorado 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%.