Key Questions:

1. How at risk is Santa Rosa, Florida to the subprime mortgage crisis?
   1. Subprime loans taken out by home owners in Santa Rosa, Florida were meaningfully less than the national average in 2006. That is to say, Santa Rosa, Florida will likely be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Santa Rosa, Florida - 10.4% versus 12.0% - will reset to higher rates in 2008.
2. How stretched will home owners in Santa Rosa, Florida be in paying off their mortgage?
   1. Homeowners in Santa Rosa, Florida borrowed an average of 1.75 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 Santa Rosa, Florida homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Santa Rosa, Florida?
   1. The leading lenders, by market share, are Countrywide Home Loans, Countrywide Bank, N.A. and Wells Fargo Bank, Na. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in Santa Rosa, Florida to actually live in them?
   1. 87.0% of home owners in Santa Rosa, Florida 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%.