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A foreclosed home is shown in Mountain View, Calif., Thursday, May 28, 2009. A record 12 percent of homeowners with a mortgage are behind on their payments or in foreclosure as the housing crisis spreads to borrowers with good credit. And the wave of foreclosures isn't expected to crest until the end of next year, the Mortgage Bankers Association said Thursday. (AP Photo/Paul Sakuma)
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