** FILE ** A foreclosure home for sale is shown in this Aug. 22, 2006, file photo taken in Spring, Texas. If the U.S. economy does not suffer more setbacks, the rate of mortgage holders behind on their payments should decline significantly by the end of next year, according to credit reporting agency TransUnion. (AP Photo/David J. Phillip, File)

Photo by: DAVID J. PHILLIP

** FILE ** A foreclosure home for sale is shown in this Aug. 22, 2006, file photo taken in Spring, Texas. If the U.S. economy does not suffer more setbacks, the rate of mortgage holders behind on their payments should decline significantly by the end of next year, according to credit reporting agency TransUnion. (AP Photo/David J. Phillip, File)