Key Questions:

1. Who are the leading lenders in Windham, Vermont?
   1. The leading lenders, by market share, are Chittenden Trust Company, Countrywide Bank, Fsb and Wells Fargo Bank, Na. Do you have the best rate possible? Find out your credit score or browse
2. How stretched will home owners in Windham, Vermont be in paying off their mortgage?
   1. Homeowners in Windham, Vermont borrowed an average of 1.29 times their annual income for their mortgage. This compares to 1.97 for all of the US. Based on the national average, a significantly lower risk that Windham, Vermont homeowners will default on their mortgage payments in the coming years.
3. How likely are the owners of homes in Windham, Vermont to actually live in them?
   1. 70.2% of home owners in Windham, Vermont that applied for a mortgage in 2008 live in their homes versus owning them as an investment property. This compares to the national average of 90.0%.
4. How at risk is Windham, Vermont to the subprime mortgage crisis?
   1. There were significantly less subprime loans taken out by home owners in Windham, Vermont than the national average in 2008. That is to say, Windham, Vermont will be less affected by the subprime mortgage crisis in years to come as a lesser percentage of all mortgages in Windham, Vermont - 3.5% versus 4.8% - will reset to higher rates in 2009. This will mean that there will be less foreclosures caused by the reseting of subprime mortgages in Windham, Vermont than other areas of the US.