Key Questions:

1. How at risk is Albany, New York to the subprime mortgage crisis?
   1. Loans taken out by home owners in Albany, New York are within a +/- 10 percent band of the national average. That is to say, Albany, New York will likely be affected by the subprime mortgage crisis just like the average county in the US.
2. How stretched will home owners in Albany, New York be in paying off their mortgage?
   1. Homeowners in Albany, New York borrowed an average of 1.49 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 Albany, New York homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Albany, New York?
   1. The leading lenders, by market share, are Countrywide Home Loans, Hfc Company Llc and Hsbc Mortgage Corporation. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in Albany, New York to actually live in them?
   1. 87.7% of home owners in Albany, New York 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%.