Key Questions:

1. How at risk is Valley, Montana to the subprime mortgage crisis?
   1. There were significantly less subprime loans taken out by home owners in Valley, Montana than the national average in 2006. That is to say, Valley, Montana will be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Valley, Montana - 7.8% 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 Valley, Montana than other areas of the US.
2. How stretched will home owners in Valley, Montana be in paying off their mortgage?
   1. Homeowners in Valley, Montana borrowed an average of 1.53 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 Valley, Montana homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Valley, Montana?
   1. The leading lenders, by market share, are Wells Fargo Bank, Na, Countrywide Home Loans and Beneficial Company Llc. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in Valley, Montana to actually live in them?
   1. 97.4% of home owners in Valley, 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%.