Key Questions:

1. How at risk is Harford, Maryland to the subprime mortgage crisis?
   1. Loans taken out by home owners in Harford, Maryland are within a +/- 10 percent band of the national average. That is to say, Harford, 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 Harford, Maryland be in paying off their mortgage?
   1. Homeowners in Harford, Maryland borrowed an average of 2.02 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 Harford, Maryland homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Harford, Maryland?
   1. The leading lenders, by market share, are Countrywide Home Loans, Wells Fargo Bank, Na and Jpmorgan Chase Bank. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in Harford, Maryland to actually live in them?
   1. 94.4% of home owners in Harford, 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%.