Key Questions:

1. How at risk is Kalawao, Hawaii to the subprime mortgage crisis?
   1. There were significantly less subprime loans taken out by home owners in Kalawao, Hawaii than the national average in 2006. That is to say, Kalawao, Hawaii will be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Kalawao, Hawaii - 0% versus 12.0% - will reset to higher rates in 2008. This will mean that there will be less foreclosures caused by the reseting of subprime mortgages in Kalawao, Hawaii than other areas of the US.
2. How stretched will home owners in Kalawao, Hawaii be in paying off their mortgage?
   1. Homeowners in Kalawao, Hawaii borrowed an average of 2.54 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 Kalawao, Hawaii homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Kalawao, Hawaii?
   1. The leading lenders, by market share, are Pelican State Credit Union and Cmg Mortgage, Inc.. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in Kalawao, Hawaii to actually live in them?
   1. 100% of home owners in Kalawao, 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%.