Foreclosures just jumped 26% in the U.S. — but this is NOT a repeat of 2008. The real story is more dangerous. Homeowners aren’t defaulting because of risky mortgages… they’re getting squeezed by everything around the mortgage — property taxes, insurance, HOA dues, and rising living costs. According to a new Wall Street Journal report, nearly 119,000 U.S. properties had foreclosure filings in the first quarter — the highest level since 2020. At the same time:
- Home insurance costs are up 12% year-over-year (Insurify)
- Average property taxes now exceed $4,400 annually (ATTOM)
- HOA liens are rising sharply, with 285,000 filings in 2025 (Benutech)
- Foreclosure-related legal requests are up 20% year-over-year (LegalShield Consumer Stress Index)
Even fixed-rate homeowners are seeing their monthly payments rise due to escrow increases — and for the first time in years, loan modifications can actually increase payments instead of lowering them. That means the traditional “escape hatch” is gone.
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