Key Questions:

1. Who are the leading lenders in Bernalillo, New Mexico?
   1. The leading lenders, by market share, are Countrywide Bank, Fsb, Wells Fargo Bank, Na and Charter Bank. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Bernalillo, New Mexico be in paying off their mortgage?
   1. Homeowners in Bernalillo, New Mexico borrowed an average of 2.09 times their annual income for their mortgage. This compares to 1.97 for all of the US. Based on the national average, there will be a normal risk that Bernalillo, New Mexico homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Bernalillo, New Mexico to actually live in them?
   1. 92.4% of home owners in Bernalillo, New Mexico that applied for a mortgage in 2008 live in their homes versus owning them as an investment property. This compares to the national average of 90.0%.
4. How at risk is Bernalillo, New Mexico to the subprime mortgage crisis?
   1. Subprime loans taken out by home owners in Bernalillo, New Mexico were meaningfully less than the national average in 2008. That is to say, Bernalillo, New Mexico will likely be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Bernalillo, New Mexico - 3.6% versus 4.8% - will reset to higher rates in 2009.