Key Questions:

1. How at risk is Kleberg, Texas to the subprime mortgage crisis?
   1. Loans taken out by home owners in Kleberg, Texas are within a +/- 10 percent band of the national average. That is to say, Kleberg, 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 Kleberg, Texas be in paying off their mortgage?
   1. Homeowners in Kleberg, Texas 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 Kleberg, Texas homeowners will default on their mortgage payments in the coming years.
3. Who are the leading lenders in Kleberg, Texas?
   1. The leading lenders, by market share, are Beneficial Company Llc, Wells Fargo Bank, Na and Kleberg First National Bank. Do you have the best rate possible? Get quotes from mortgage lenders.
4. How likely are the owners of homes in Kleberg, Texas to actually live in them?
   1. 86.6% of home owners in Kleberg, 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%.