Key Questions:

1. How at risk is St. Lawrence, New York to the subprime mortgage crisis?
   1. There were significantly less subprime loans taken out by home owners in St. Lawrence, New York than the national average in 2006. That is to say, St. Lawrence, New York will be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in St. Lawrence, New York - 8.8% 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 St. Lawrence, New York than other areas of the US.
2. How stretched will home owners in St. Lawrence, New York be in paying off their mortgage?
   1. Homeowners in St. Lawrence, New York borrowed an average of 1.01 times their annual income for their mortgage. This compares to 1.83 for all of the US. Based on the national average, a significantly lower risk that St. Lawrence, New York homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in St. Lawrence, New York?
   1. The leading lenders, by market share, are Community Bank, N.A., Beneficial Company Llc and Hfc Company Llc. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in St. Lawrence, New York to actually live in them?
   1. 92.6% of home owners in St. Lawrence, 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%.