A foreclosure sign stands on top of a sale sign outside an existing home for sale in the west Denver suburb of Lakewood, Colo., on Sunday, Sept. 28, 2008. An industry group said Friday, Dec. 5, 2008, a record one in 10 American homeowners with a mortgage were either at least a month behind on their payments or in foreclosure at the end of September as the source of housing market pressure shifted to the crumbling U.S. economy. (AP Photo/David Zalubowski)