Key Questions:

1. How at risk is Houston, Texas to the subprime mortgage crisis?
   1. Loans taken out by home owners in Houston, Texas are within a +/- 10 percent band of the national average. That is to say, Houston, Texas will likely be affected by the subprime mortgage crisis just like the average county in the US.
2. How stretched will home owners in Houston, Texas be in paying off their mortgage?
   1. Homeowners in Houston, Texas borrowed an average of 1.02 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 Houston, Texas homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Houston, Texas?
   1. The leading lenders, by market share, are Countrywide Home Loans, Prosperity Bank and Nationstar Mortgage Llc. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in Houston, Texas to actually live in them?
   1. 88.0% of home owners in Houston, Texas 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%.