Key Questions:

1. How at risk is Fergus, Montana to the subprime mortgage crisis?
   1. Loans taken out by home owners in Fergus, Montana are within a +/- 10 percent band of the national average. That is to say, Fergus, Montana will likely be affected by the subprime mortgage crisis just like the average county in the US.
2. How stretched will home owners in Fergus, Montana be in paying off their mortgage?
   1. Homeowners in Fergus, Montana borrowed an average of 1.47 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 Fergus, Montana homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Fergus, Montana?
   1. The leading lenders, by market share, are Wells Fargo Bank, Na, Western Security Bank and Countrywide Home Loans. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in Fergus, Montana to actually live in them?
   1. 89.9% of home owners in Fergus, Montana 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%.