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					 Mortgage Market Conditions
                    in
             WYOMING

                    By

National Association of REALTORS® Research
                 April 2008
                Mortgage Indicators
                                                               FHA+VA
Nationally:                                           Subprime
                                                         9%
                                                                 6%

                                                                        Free +
•   32% of homeowners have their homes paid in full                      Clear
                                                                        Homes
                                                                         32%
•   53% have a prime mortgage
•   9% financed their home with a subprime loan                Prime
                                                                53%

•   6% of homeowners have either a FHA or VA loan
                                                           Homeownership

• Subprime exposure is relatively small, yet        FHA+VA
  subprime loans make up a substantial portion of     9%


  foreclosures                                                  Prime

• Subprime loans account for only 9% of                          37%


  homeowner mortgages, but they comprise 54% of      Subprime
                                                       54%
  foreclosures
• Subprime loan exposure is decreasing            Foreclosures by Loan
Subprime Loan Exposure
                  WYOMING
         FHA+VA
Subprime   6%
   5%


                            Free + Clear
                              Homes
                                40%




   Prime
    49%

                               Source: NAR Estimate
           Foreclosed Homes
       WYOMING - Foreclosure Rate: 0.8%
      FHA+VA
        7%




Subprime
  34%
                                          Prime
                                           59%




                                             Source: MBA