Key Questions:

1. How at risk is Calvert, Maryland to the subprime mortgage crisis?
   1. Loans taken out by home owners in Calvert, Maryland are within a +/- 10 percent band of the national average. That is to say, Calvert, Maryland will likely be affected by the subprime mortgage crisis just like the average county in the US.
2. How stretched will home owners in Calvert, Maryland be in paying off their mortgage?
   1. Homeowners in Calvert, Maryland 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 Calvert, Maryland homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Calvert, Maryland?
   1. The leading lenders, by market share, are Countrywide Home Loans, National City Bank and Bank Of America, N.A.. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in Calvert, Maryland to actually live in them?
   1. 93.7% of home owners in Calvert, Maryland 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%.