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Compounding the matter, those with tax problems are more likely to end up in foreclosure. Nearly a third of mortgage holders with unpaid taxes were “seriously delinquent” on their payments, and 6.3 percent had been foreclosed - a rate nearly three times higher than homeowners who were paid up with the IRS.

The Department of Housing and Urban Development accepted the report and will work with the IRS to try to get access to information that would help it cull tax cheats, Carol J. Galante, an acting assistant secretary, said in the department’s official response.

She said they also will try to clarify FHA rules so lenders are clear about the eligibility requirements for loans.