Foreclosures reshaped the U.S. economic landscape in 2007
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A year ago, losing a house to bank repossession still seemed like a rare event, confined to people enduring unfortunate personal circumstances - job loss, divorce, illness, death of a wage earner.
But this year, as the real estate market slumped, housing prices sagged and - most important - massive numbers of adjustable-rate mortgages reset to exorbitant rates, foreclosures became commonplace, their numbers soaring every quarter. California, a favorite hunting ground for the so-called “exploding ARMS,” has been particularly hard-hit.
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