Key Questions:

1. How at risk is Harnett, North Carolina to the subprime mortgage crisis?
   1. Loans taken out by home owners in Harnett, North Carolina are within a +/- 10 percent band of the national average. That is to say, Harnett, North Carolina will likely be affected by the subprime mortgage crisis just like the average county in the US.
2. How stretched will home owners in Harnett, North Carolina be in paying off their mortgage?
   1. Homeowners in Harnett, North Carolina borrowed an average of 1.61 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 Harnett, North Carolina homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Harnett, North Carolina?
   1. The leading lenders, by market share, are Branch Banking And Trust Co, Wells Fargo Bank, Na 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 Harnett, North Carolina to actually live in them?
   1. 90.7% of home owners in Harnett, North Carolina 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%.