Key Questions:

1. How at risk is Hawaii to the subprime mortgage crisis?
   1. Loans taken out by home owners in Hawaii are within a +/- 10 percent band of the national average. That is to say, Hawaii will likely be affected by the subprime mortgage crisis just like the average county in the US.
2. How stretched will home owners in Hawaii be in paying off their mortgage?
   1. Homeowners in Hawaii borrowed an average of 2.30 times their annual income for their mortgage. This compares to 1.83 for all of the US. Based on the national average, a signficantly higher risk that Hawaii homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Hawaii?
   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 Hawaii to actually live in them?
   1. 81.8% of home owners in Hawaii 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%.